vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-05 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XX/XX/year> XXXX  Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute information on my credit report that I believe is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ), specifically under the provisions of 15 USC 1681i ( 7 ). As a consumer, I have the right to ensure that my credit report is free from any erroneous or outdated information. 

Upon reviewing my credit report from your agency, I have identified the following inaccuracies : Please list any specific inaccuracies, such as incorrect account balances, incorrect payment history, or outdated information. This misinformation is damaging my credit score and financial standing and may also be a violation of 15 USC 1681-I ( 7 ), which requires the accurate reporting of consumer information.

I request that you investigate these discrepancies and provide me with a written explanation of the results of your investigation, in accordance with the FCRA guidelines. I also request that the inaccurate information be removed from my credit report as soon as possible. 

Please note that under the FCRA, you are required to complete the investigation within 30 days of receiving my dispute. Failure to comply with this timeline and correct any inaccuracies may result in further legal action.

I appreciate your prompt attention to this matter and look forward to receiving a written response within the specified time frame. I appreciate your cooperation. 

Sincerely, XXXX XXXX XXXX cc : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: NRA Group, LLC
State: FL

Complaint narrative:
I requested financial assistance at the end of my appointment but never received it and then I received a bill in the mail. I contacted the company and no assistance was received.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: Credit Control, LLC
State: NV

Complaint narrative:
I recently reviewed my XXXX  consumer report and noticed that a new collection had been listed. After reviewing the details of this collection, I noticed that this was something that had already been on my report in the past and was listed under several different debt collection agency. My statement is the same as it was before, " This account is not mines and has never been mines ''.

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 2025-10-05 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: W&A Intermediate Co., LLC
State: FL

Complaint narrative:
I requested financial assistance at the end of my appointment but never received it and then I received a bill in the mail. I contacted the company and no assistance was received.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 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: MS

Complaint narrative:
I recently did an investigation on my credit report and I am verifying that these NEGATIVE accounts are not mines. 
Under the United States Code Law 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. You are reporting fraudulent accounts that are not mine, which is infringement of my privacy. Congress says I have a right to decide what I deem private. I deem that these NEGATIVE accounts to be private and I DO NOT WANT THIS INFORMATION SHARED ON MY CREDIT REPORT. FDCPA 807 states that these NEGATIVE accounts are misleading false reporting.

Under 15 USC 1681b - permissible purpose of consumer reports. THE LAW STATES ( a ) In general subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( XXXX ) in accordance with the written instructions of the consumer to whom it relates. 
Under 15 U.S. Code 6802 - I have the right to opt out of any information shared to a financial institution, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice, which I have not received. 
* * * * * * IMPORTANT * * * * * * PLEASE DON'T RESPOND TO MY REQUEST SAYING THAT THESE ACCOUNTS ARE VERIFIED BY THE INFORMATION PROVIDER, SEND ME COPIES OF THE DOCUMENTS THAT YOU HAVE RETAINED IN YOUR FILES THAT YOUR COMPANY USED TO VERIFY THE ACCURACY OF THESE DISPUTED 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 non-monetary relief
Consumer complaint received 2025-10-05 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: FL

Complaint narrative:
I am filing a complaint against a collection account reported by Credit Collection Services ( account number ending in XXXX ), which appears on my credit report. I have no knowledge of this account, have never entered into any agreement, contract, or financial obligation with this company, and have never provided them with authorization verbally or in writing to act on my behalf or collect any alleged debt. 

This collection account is being reported as opened on XX/XX/year>, with a balance of {$1400.00}. I have never received any communication from this company, including required disclosures or validation of the debt under 15 U.S. Code 1692g ( FDCPA ). I have no records, knowledge, or history supporting the validity or origin of this alleged debt. 

The reporting of this account appears to be either : A case of mistaken identity A file merger error with another consumer Or an instance of unauthorized and unlawful furnishing of information to credit reporting agencies, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681s-2 ( a ), which requires furnishers to report only accurate and verifiable information.

Furthermore, under the FCRA and FDCPA : Reporting unverified or inaccurate debt damages my credit standing and constitutes consumer harm I have not been afforded the right to dispute or validate the debt because I was never contacted or notified I request the CFPB to investigate this matter and require Credit Collection Services to : Provide complete validation and documentation of the alleged debt Cease all credit reporting and collection activities if they can not prove its legitimacy Immediately remove the account from all consumer credit reports if they can not demonstrate that I am legally responsible for the alleged debt

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: MI

Complaint narrative:
On XX/XX/XXXX I disputed an incorrect debt reporting on my credit report, asking for proof within XXXX days, it returned back as it was staying on my credit report on XX/XX/XXXX. I sent on XX/XX/XXXX a certified dispute letter sent by certified mail regarding an inaccurate XXXX XXXX XXXX account appearing on my credit report. The account number ends in XXXX. I requested that Equifax verify the accuracy of this account under the Fair credit reporting act ( FCRA ) 1681i, including obtaining proof of the original signed contract, an itemized balance, and documentation showing XXXX XXXX 's legal ownership of the debt. Equifax received my certified dispute but did not provide any documentation or written results within the required XXXX timeframe. As of XX/XX/XXXX The account remains on my credit report as without proof that it is valid. This failure to respond and properly investigate violates my rights under the FCRA. The alleged balance is inaccurate and should never have been verified because XXXX XXXX XXXX has not provided any evidence that I owe this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CT

Complaint narrative:
I am filing this complaint regarding improper debt collection and credit reporting practices by National Credit Systems , Inc. ( XXXX ) in connection with a disputed utility bill managed by XXXX XXXX XXXX for my former residence at XXXX XXXX XXXX, XXXX XXXX, CT, XXXX. 

Background and Timeline : On XX/XX/year>, I contacted XXXX by email disputing unexplained submetered electricity charges. 
On XX/XX/year>, my attorney issued a formal dispute letter to XXXX requesting billing validation. 
On XX/XX/year>, I filed a formal complaint with Connecticut XXXX, initiating a regulatory investigation into XXXX  submetering and billing practices. XXXX confirmed they engaged XXXX directly beginning XX/XX/year>. 
Despite this active investigation, XXXX sent the alleged debt to XXXX for collection in XX/XX/year>, and the collection was reported to credit bureaus on XX/XX/year>. 

FDCPA Dispute and Non-Response On XX/XX/year>, I sent a certified FDCPA debt validation letter to XXXX, delivered on XX/XX/year>. 
As of today, no written validation has been provided in response to that certified letter. A copy of that letter and delivery proof are attached. The only prior communication from XXXX was a package dated XX/XX/year>, which was sent before my letter was delivered and therefore can not be considered a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am disputing the inaccurate reporting of the XXXX Bank account. The account is reported as a " Charge Off, " yet it shows a balance of {$990.00}. A legitimate charge-off should reflect a XXXX balance with the original creditor, as the asset has been written off their books. Reporting a balance is materially misleading and inaccurate, in violation of 15 U.S.C 1681e ( b ). Furthermore, the reported " High Credit '' ( {$2300.00} ) exceeds the " Credit Limit '' ( {$500.00} ), which is an anomaly that requires an explanation and verification.

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 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Sunbit, Inc.
State: MN

Complaint narrative:
There was {$2300.00} of fraudulent charges and transactions on my previous Sunbit credit card account. Sunbit is holding me responsible for {$2300.00} in unauthorized charges, which is a violation of federal law under the Fair Credit Billing Act ( FCBA ). Under the Fair Credit Billing Act. Unauthorized use of my credit card is {$50.00}. So I am only liable for {$50.00} for unauthorized use of my Sunbit credit card account. Sunbit failed to issue me a provisional credit in the amount of {$2300.00} for the fraudulent transactions and unauthorized use of my Sunbit credit card account. I want Sunbit to immediately close my Sunbit credit card account : XXXX. I dont want the Sunbit credit card account. So I want Sunbit to immediately close my Sunbit credit card account. Full Name : XXXX XXXX XXXX, XXXX : XX/XX/year>, XXXX : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-05 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: CA

Complaint narrative:
EQUIFAX ARE CONDUCTING SHAM INVESTIGATIONS AND ARE NOT PROPERLY RESPONDING TO MY DISPUTES ABOUT THE FRAUDULENT ACCOUNTS. THEY REFUSE TO REMOVE FRAUDULENT INFORMATION AND CLAIM THOSE FRAUDULENT INFORMATION ARE ACCURATE. 
i have provided a copy of my driver lisence and social card along with XXXX utility bills to verify my identity. As well as did the extra options on the CFPB complaint section provided my first and last name, my Date of birth and also the last XXXX of my social security. Even after all those documents and extra steps they claim they can not verify me. i am not happy with their response as their response to my complaint and disputes have been inadequate and unhelpful towards my situation. they are giving generic responses and not giving me any proper responses to any disputes i have made. Even through there dispute portal they are conducting sham investigations. Nothing I have sent to them has been fully investigated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Hi, its been a couple years that I noticed that the unauthorized and fraudulent account on my credit report. The bank name is XXXX XXXX, opened on XX/XX/2019 and closed on XX/XX/2019 and reported 6 years and 3 months late. 
I disputed a couple times but it was never approved.

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 2025-10-05 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 reviewed my Consumer Reports and noticed that I had XXXX late payments on an account that I was never late for Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : ( XXXX  XXXX XXXX ) : ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ) Please investigate and provide Proof with statements showing that these payments were late. If proof can XXXX XXXX XXXX XXXX XXXX be provided I demand these payments be updated to on time as they should be as I was NEVER late. Thanks.

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 2025-10-05 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: FL

Complaint narrative:
An account originally opened with XXXX XXXX and later sold to XXXX XXXX XXXX is being reported on my credit file without my authorization. I never opened or authorized this account, and it constitutes fraudulent activity and identity theft. The account shows an alleged balance of {$5200.00} and has been reported to credit bureaus despite my disputes. 

I previously disputed this account with TransUnion, but they responded verified as accurate without providing any documentation, which violates 15 U.S.C. 1681i ( FCRA procedures for disputing inaccurate information ). I also requested full validation from XXXX XXXX XXXX, including proof that I authorized the account, evidence that they legally purchased the debt, and an itemized accounting of the alleged balance. XXXX XXXX XXXX has not provided this documentation, in violation of 15 U.S.C. 1692g ( FDCPA validation of debt ) and 15 U.S.C. 1681s-2 ( FCRA responsibilities of furnishers to provide accurate information ). 

I have filed an FTC Identity Theft Report ( # XXXX ) to document the fraudulent activity. I am requesting permanent deletion of this account from my credit report in accordance with 15 U.S.C. 1681i & 1681s-2 and will pursue XXXX arbitration and civil action if this issue is not resolved.

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 2025-10-05 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XX/XX/year> XXXX  Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute information on my credit report that I believe is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ), specifically under the provisions of 15 USC 1681i ( 7 ). As a consumer, I have the right to ensure that my credit report is free from any erroneous or outdated information. 

Upon reviewing my credit report from your agency, I have identified the following inaccuracies : Please list any specific inaccuracies, such as incorrect account balances, incorrect payment history, or outdated information. This misinformation is damaging my credit score and financial standing and may also be a violation of 15 USC 1681-I ( 7 ), which requires the accurate reporting of consumer information.

I request that you investigate these discrepancies and provide me with a written explanation of the results of your investigation, in accordance with the FCRA guidelines. I also request that the inaccurate information be removed from my credit report as soon as possible. 

Please note that under the FCRA, you are required to complete the investigation within 30 days of receiving my dispute. Failure to comply with this timeline and correct any inaccuracies may result in further legal action.

I appreciate your prompt attention to this matter and look forward to receiving a written response within the specified time frame. I appreciate your cooperation. 

Sincerely, XXXX XXXX XXXX cc : 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 2025-10-05 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX XXXX XX/XX/year> XXXX  Subject : Dispute of Inaccurate Information on Credit Report Dear Sir/Madam , I am writing to dispute information on my credit report that I believe is inaccurate and not in compliance with the Fair Credit Reporting Act ( FCRA ), specifically under the provisions of 15 USC 1681i ( 7 ). As a consumer, I have the right to ensure that my credit report is free from any erroneous or outdated information. 

Upon reviewing my credit report from your agency, I have identified the following inaccuracies : Please list any specific inaccuracies, such as incorrect account balances, incorrect payment history, or outdated information. This misinformation is damaging my credit score and financial standing and may also be a violation of 15 USC 1681-I ( 7 ), which requires the accurate reporting of consumer information.

I request that you investigate these discrepancies and provide me with a written explanation of the results of your investigation, in accordance with the FCRA guidelines. I also request that the inaccurate information be removed from my credit report as soon as possible. 

Please note that under the FCRA, you are required to complete the investigation within 30 days of receiving my dispute. Failure to comply with this timeline and correct any inaccuracies may result in further legal action.

I appreciate your prompt attention to this matter and look forward to receiving a written response within the specified time frame. I appreciate your cooperation. 

Sincerely, XXXX XXXX XXXX cc : 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 2025-10-05 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Exeter Finance, LLC.
State: NC

Complaint narrative:
To Whom It May Concern, This letter serves as a formal request for validation and verification of the auto loan account currently being reported and/or collected under my name by Exeter Finance . I am exercising my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ) and, if applicable, the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ) to request full documentation proving the legitimacy, accuracy, and enforceability of the alleged account and any claimed missed payments. 

I dispute the accuracy of the information being reported to the credit bureaus, specifically regarding the loan balance, payment history, and any alleged missed or late payments. I request that you provide written verification and supporting documentation for the following : A complete copy of the original signed retail installment sales contract or loan agreement. 

A full payment history reflecting all payments made, applied, or allegedly missed. 

Evidence that Exeter Finance has the legal right to collect on and report this account. 

Copies of any notices of default, repossession warnings, or other adverse communications sent to me. 

The name and address of the original creditor, if Exeter Finance is not the originator. 

Until proper verification is provided, you must cease reporting or updating any negative information related to this account to the credit reporting agencies. Continuing to report unverifiable information would constitute a violation of the FCRA and could be considered a willful act of furnishing inaccurate information. 

If you are unable to produce the requested verification within the required timeframe, I request that you immediately remove or correct any inaccurate data furnished to XXXX, XXXX, and XXXX. 

Please respond to this request in writing within XXXX  days of receipt. Enclosed are copies of my identification and proof of address for verification purposes. 

Respectfully,

Company response to consumer: Closed with explanation