vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: IL

Complaint narrative:
Ive recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/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 2025-06-03 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: FL

Complaint narrative:
I am a data breach victim and fraudulent accounts were added to my credit file. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within 4 days : 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 FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

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 2025-06-03 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: GA

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year>. This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$9600.00}, I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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 seeking the immediate removal of these fraudulent accounts from my credit report, as I did not authorize or recognize them. Under USC 1681g, I request their deletion within 15 days. Relevant supporting documentation is enclosed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: John C. Heath, Attorney at Law, PLLC
State: MI

Complaint narrative:
I was a victim of several Data Breaches with the most recent being XXXX XXXX. I have items on my credit that are inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
This morning, I discovered some incorrect accounts listed on my credit report, and I have no clue how they got there. I routinely check my report, but this time I noticed unusual discrepancies. I even tried refreshing the page, thinking it might be a browser error, but that didnt helpthe errors remained. Because of this, Im requesting a thorough review of the documents I submitted to ensure this doesnt happen 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 explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C C-2 ) In accordance with ( 15 U.S.C 6802 ( A ) ( B ) ( C ) I XXXX XXXX did not give you Experian and or creditors. Permission to furnish my personal information. I request that you Block and Delete aforementioned accounts within 4 days of receiving this complaint.I have attached a cope of FTC Identity Theft Criminal Complaint XXXX XXXX XXXX XXXX as proof from the US Federal Trade Commission.This fraudulent inaccurate and false information consists of. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: IL

Complaint narrative:
I want to inform you that this is not a refusal to pay but in accordance with my rights under the Fair Debt Collections Practices Act I am disputing this account and requesting validation of debt. ( 15 USC 1692G SEC.809 ( B ). I am not requesting a verification, but I am requesting validation. I am requesting that your office provide me with evidence that I am obligated to pay you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
According to the law 15 USC 1681s-2 ( c ) ( 2 ) accounts that were charge off can't be in the credit report. Please remove this account from my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The contrast between my consistent on-time payments for this account and the distress caused by the inaccurate late payment entry is XXXX. Maintaining punctuality has been my unwavering commitment, and this inconsistency is weighing heavily on my mental well-being, disrupting my sleep and peace of mind.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Radius Global Solutions LLC
State: FL

Complaint narrative:
I found an inaccurate negative item on my credit report. I contacted the furnisher, received no verifiable response, and am requesting a full investigation under the Fair Credit Reporting Act ( FCRA ) .Please remove this unverifiable item.

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 2025-06-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
Hello, I have submitted multiple plans for shoes related to XXXX XXXX  most of which I know are XXXX member fraudulent and I requested to have gone yet. Also, there are multiple transactions for XXXX which are over {$2000.00} and multiple times have reached out to you and they denied each time without a reason and my card has been reported lost and canceled just few months ago and they still are denying the claims

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
For the XXXX time in XXXX months Experian has allowed a collection to appear on my account even though debt collector never properly validated the debt as required by FCRA. Experian continues to blatantly disregard consumer rights by either not conducting investigations or conducting sham investigations. II sent certified letters to collection agencies and in each case they failed to provide the information requested to validate the debt and missed 30 day deadlines. Experian continues to repeatedly remove them and then places them back. This particular dispute relates to XXXX XXXX XXXX who I have also relayed that I will soon seek counsel if this continues. I requested removal in XXXX, XXXX and now XXXX. Information was removed XXXX and has again returned. this is totally ridiculous and CFPB must do something about this.

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 2025-06-03 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 I have repeatedly asked Experian to investigate an account that is illegally reporting on my credit report. The account in question is from XXXX, a company that issues title loans. Title loans are illegal in the state of North Carolina under XXXX XXXX XXXX. XXXX, which prohibits non-licensed lenders from making title loans to North Carolina residents . 

I have submitted multiple disputes and provided documentation showing that : I am a North Carolina resident. 

The XXXX account is currently in arbitration and being disputed as illegal. 

XXXX is not licensed to lend in the state of North Carolina. 


Despite this, Experian has failed to properly investigate my dispute. Rather than verifying the legitimacy of the account or acknowledging the documentation I provided, Experian continues to update the account status to charged off, which inaccurately reflects the situation and harms my credit. 

I am requesting the CFPBs assistance in holding Experian accountable for violating my rights under the Fair Credit Reporting Act ( FCRA ) by failing to reasonably investigate a disputed account and inaccurately reporting unlawful debt. 

Thank you for your attention to this matter.

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 2025-06-03 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: GA

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> - {$0.00}

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 non-monetary relief
Consumer complaint received 2025-06-03 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:
In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-06-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Voluntary repossession
Company: CL Holdings LLC
State: OH

Complaint narrative:
I am respectfully submitting a dispute to Jefferson Capital. I previously spoke with a representative and explained that I disagree with the amount owed due to a transmission failure, and therefore believe the amount is inaccurate. I kindly request a review and a reduction of the amount owed.

Jefferson Capital was to provide me with a dispute form. However, I received correspondence from them indicating that I had requested a dispute, despite never receiving the necessary form.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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:
This correspondence is to inform you of fraudulent accounts added to my credit profile due to a data breach. In compliance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete the accounts within 4 days : 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XXXX Balance : {$270.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>, Balance : {$6100.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
In accordance with USC 1681g, I am formally requesting their removal within the next 15 days. Enclosed are the pertinent documents for your thorough review and reference.

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 2025-06-03 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 am formally disputing the following accounts on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, and the Truth in Lending Act ( TILA ) 15 U.S.C. 1641 ( g ).

I have identified multiple legal violations regarding these accounts, and failure to correct these errors within 30 days will result in formal legal action against your agency for willful noncompliance. 
ACCOUNTS IN DISPUTE : Account- XXXX XXXX - XXXX 1681e ( b ) Failure to Report with Maximum Possible Accuracy : The " Date of Last Activity '' is inconsistent across bureaus : o TransUnion : XX/XX/XXXX o Experian : XX/XX/XXXX Equifax is missing critical data ( account number, dates, and payment history ), which violates report

ing obligations. 1681i Incomplete or
Failed Investigation : Comments state : o Account was in dispute- now resolved - reported by subscriber o Dispute resolved ; reported by grantor o This language implies a dispute resolution without consumer confirmation or documentation, violating my right to a proper

investigation and verification. 1681c ( a ) Obsolete and Misleading Information : The account continues to report a full past-due balance despite being charged off, which is misleading if the debt was sold or transferred. 1681s-2 ( a ) Duty of Data Furnishers to Report Accurately : Equifax is failing to report key details altogether, while Experian reports
24 months of continuous charge-off entries with no update or resolution, which is excessive and potentially punitive.

Account- XXXX  - XXXX 1681e ( b ) Failure to Ensure Maximum Possible Accuracy : No payment history is reported by TransUnion , Experian, or Equifa

x , leaving the status of the account unclear. Without a verified payment trail, reporting this account as derogatory is misleading. 1681i Incomplete or Inadequate Investigation : The account is marked as a collection with no indication of validation or documented proof from the original cred
itor, XXXX XXXX. The reporting does not show proof

that this debt is legally owed. 1681g Failure to Provide Required Information : There is no record of any monthly payments, no date of last payment, no past due amount, no credit limit, and no terms. This leaves the entry vague, incomplete, and unverifiable. 1692g ( FDCPA ) Debt Collection Without Validatio
n : If XXXX is acting as a third-party debt collector, they are obligated under the Fair Debt Collection Practices Act to validate the debt upon request. No such validation has been provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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 am formally disputing the following accounts on my credit report under my rights granted by the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681, the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g, and the Truth in Lending Act ( TILA ) 15 U.S.C. 1641 ( g ).

I have identified multiple legal violations regarding these accounts, and failure to correct these errors within 30 days will result in formal legal action against your agency for willful noncompliance. 
ACCOUNTS IN DISPUTE : Account- XXXX XXXX - XXXX 1681e ( b ) Failure to Report with Maximum Possible Accuracy : The " Date of Last Activity '' is inconsistent across bureaus : o TransUnion : XX/XX/XXXX o Experian : XX/XX/XXXX Equifax is missing critical data ( account number, dates, and payment history ), which violates report

ing obligations. 1681i Incomplete or
Failed Investigation : Comments state : o Account was in dispute- now resolved - reported by subscriber o Dispute resolved ; reported by grantor o This language implies a dispute resolution without consumer confirmation or documentation, violating my right to a proper

investigation and verification. 1681c ( a ) Obsolete and Misleading Information : The account continues to report a full past-due balance despite being charged off, which is misleading if the debt was sold or transferred. 1681s-2 ( a ) Duty of Data Furnishers to Report Accurately : Equifax is failing to report key details altogether, while Experian reports
24 months of continuous charge-off entries with no update or resolution, which is excessive and potentially punitive.

Account- XXXX  - XXXX 1681e ( b ) Failure to Ensure Maximum Possible Accuracy : No payment history is reported by TransUnion , Experian, or Equifa

x , leaving the status of the account unclear. Without a verified payment trail, reporting this account as derogatory is misleading. 1681i Incomplete or Inadequate Investigation : The account is marked as a collection with no indication of validation or documented proof from the original cred
itor, XXXX XXXX. The reporting does not show proof

that this debt is legally owed. 1681g Failure to Provide Required Information : There is no record of any monthly payments, no date of last payment, no past due amount, no credit limit, and no terms. This leaves the entry vague, incomplete, and unverifiable. 1692g ( FDCPA ) Debt Collection Without Validatio
n : If XXXX is acting as a third-party debt collector, they are obligated under the Fair Debt Collection Practices Act to validate the debt upon request. No such validation has been provided.

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