vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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:
Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXXXXXX, GA XXXX Dear Equifax This letter is to inform you that I have become a victim of identity theft. I contacted the Federal Trade Commission and filed an FTC complaint ( XXXX XXXXXXXX ), which is attached. There are accounts on my report which do not belong to me. These accounts are hindering me from obtaining new credit and thus causing me much hardship. 
I am 100 % willing to work with the credit bureaus and authorities to resolve this matter as soon as possible. I will be following up with your agency to ensure everything is being done to remove these fraudulent accounts from my report. Please be aware all required documentation is within this packet and has been mailed to your agency. 
I demand the following fraudulent accounts and Inquiries be DELETED from my credit report immediately. 
XXXX. The inquiry was not authorized XXXX XX/XX/year> I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action. 
XXXX. The inquiry was not authorized XXXX XXXX XXXX XX/XX/year> I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action.

3. Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave you any written consent to report. 
XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX I am writing to formally request the removal of an account that I believe contains misleading and false information, as outlined in the FTC filing. This account violates FDCPA Section 807. Please delete it from my credit report ; otherwise, I will consider pursuing legal action.

Please block and/or remove all information resulting from Identity Theft pursuant to FCRA 605B ( 15 U.S.C. & 1681 c-2 ) which states that these accounts must be removed within 4 Business Days of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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 filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-10-16 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: TX

Complaint narrative:
I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.

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 2025-10-16 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 writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX  XXXX XXXX XX/XX/year> -- {$6700.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NY

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Consumer Date of Birth : XX/XX/XXXX, Also at the end include the accounts I am reporting a fraud issue resulting from the Equifax data breach. Unauthorized accounts were opened using my personal information. I request that these accounts be blocked within four days as required by FCRA 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) to prevent further harm. I am seeking investigation and proper remediation for this breach and the resulting fraudulent activity. Thank you for your prompt attention to this matter. 

XXXX XXXX XXXXXXXX Account number XXXX Account type Credit Card Date opened XX/XX/XXXX Balance {$1800.00} Account name XXXX  XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$1200.00} Account name XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX  XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$3600.00} Account name XXXX XXXX  Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$270.00} Account name XXXX XXXX  XXXX Account XXXX XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$1400.00} Account name XXXX XXXX  XXXX XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$0.00} Account name XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$770.00} Account name XXXX Account number XXXX Account type Credit card Date opened XX/XX/XXXX Balance {$960.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Mercari, Inc.
State: AR

Complaint narrative:
Ok so I sale on mecari and I sold a XXXX XXXX XXXX XXXXXXXX XXXX XXXX for org price XXXX but I sold for XXXX. As soon as I posted it bam this guy bought it. It took me a day and half to ship. I go to XXXX and drop it off with another package and I get a receipt for. Both packages WITH THE WEIGHT OF THE ITEM .. 2DAYS GO BY AND he gets the package and claims it's empty!! remind u I have a pic of before shipment along with receipt with weight but he files for a refund and gets his XXXX back and im left to eat my XXXX and my item

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: CA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TD BANK US HOLDING COMPANY
State: NJ

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.

Clean. Legal. Powerful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: BTH Management
State: CA

Complaint narrative:
In XX/XX/XXXX, my original lender, XXXX XXXX XXXX XXXX ( XXXX ), issued IRS Form 1099-C reporting that my personal loan was canceled for {$3900.00}. The IRS accepted this 1099-C filing on XX/XX/XXXX, confirming the debt was treated as discharged for tax purposes. 

Despite that cancellation, XXXX or its affiliates later transferred or sold the same account to Plaza Services LLC, which hired XXXX XXXXXXXX XXXX XXXX to collect through litigation. Plaza and XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX case XXXX XXXXXXXX and obtained a writ of execution ( XXXX ) dated XX/XX/XXXX. This writ attempted to collect the exact account that had already been reported to the IRS as discharged. 

Both Plaza Services and XXXX continue furnishing negative information about this account to the credit bureaus. XXXX  still lists it under XXXX XXXX and XXXX  lists it under Plaza Services. These reports show balances and charge-off statuses that are inaccurate because the debt was canceled years earlier and should show a XXXX balance or be deleted entirely. 

This conduct misrepresents the debts legal status and violates : The Fair Debt Collection Practices Act ( 15 U.S.C. 1692e and 1692f ) for attempting to collect a canceled debt ; The Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ) and California Consumer Credit Reporting Agencies Act ( Civ. Code 1785.25 ) for furnishing inaccurate credit information ; and The XXXX  XXXX Fair Debt Collection Practices Act ( XXXXXXXX XXXX XXXX ) for using unfair or deceptive collection methods. 

I have attached supporting exhibits : Exhibit A : Form XXXX and IRS acceptance proof ; Exhibit B : Court filings and XXXX writ; Exhibit C : Current Experian report showing Net Credit that sold debit to Plaza Services I request that the CFPB investigate these companies for collecting and reporting a debt that was already canceled, require immediate deletion or correction of the inaccurate tradelines, and ensure that Plaza Services, XXXX XXXX XXXX, and XXXX XXXX cease all collection activity related to this discharged account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: LJ Ross Associates
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI, XXXX Dear XXXX XXXX XXXX XXXX, This letter is in response to your communication dated XX/XX/year>, regarding an alleged debt. 
I am writing to formally request validation of the debt you claim I owe, in accordance with my rights under the Fair Debt Collection Practices Act ( FDCPA ), Section 809 ( b ). 
This is not a refusal to pay, but a demand for validation made pursuant to my rights under federal law. Until you provide the information requested below, you must cease all collection activities, including reporting this debt to credit bureaus. 
Please provide me with the following information and documentation concerning this alleged debt : The total amount of the debt, including any fees or interest. 
The name and address of the original creditor. 
Documentation proving that I am legally obligated to pay this debt, such as a copy of the original contract or agreement bearing my signature. 
A copy of any judgment, if applicable. 
The date the alleged debt became delinquent. 
Whether this debt is within the statute of limitations and how that was determined. 
Your license to collect debts in my state. 
If you have already reported this debt to any credit reporting agency, you must inform them that the debt is disputed. Reporting or failing to correct inaccurate information may violate the Fair Credit Reporting Act. 
Thank you for your prompt attention to this matter. I expect a response within the legally mandated XXXX timeframe. 
Sincerely, XXXX XXXX XXXX

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

The accounts are as follows : XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Bal. {$620.00} Account number. XXXXXXXX XXXX XXXXXXXX - XX/XX/XXXX Bal. {$960.00} Account number. XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Bal. {$2500.00} Account number. XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: AR

Complaint narrative:
I have no association with this account, and it is being reported inaccurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: AR

Complaint narrative:
I am submitting this complaint to dispute multiple late open accounts reported on my credit file, which I believe are inaccurate or unverifiable. These entries are negatively impacting my credit profile and do not comply with the requirements of the Fair Credit Reporting Act ( FCRA ). 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Under FCRA 607 ( a ) [ 15 U.S.C. 1681e ( a ) ], credit reporting agencies are required to maintain reasonable procedures to ensure maximum possible accuracy of all reported information. Additionally, under FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], I have the right to dispute any inaccurate or unverifiable information and request a complete reinvestigation.

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 2025-10-16 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: SC

Complaint narrative:
This follow-up pertains to a dispute I submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, concerning multiple inaccuracies on my credit report that have yet to be properly addressed. Despite my previous request for a reinvestigation, I have not received any meaningful updates or clear explanations, and the disputed information remains unchanged. Upon reviewing my credit report, I found several entries that are either unverifiable, misleading, duplicated, or factually inaccurate. For example, there is a medical account with a listed balance of {$3300.00} and a {$0.00} payment amount, reported under XXXX XXXX XXXX XXXX, with the original creditor noted as XXXX XXXX XXXX XXXX XXXX. Additionally, there are questionable entries involving XXXX  with a reporting date of XX/XX/year> ; XXXX  accounts appearing with two separate dates, XX/XX/year>, and XX/XX/year> ; XXXX XXXX reporting on those same two dates ; and two entries for XXXX XXXX, both dated XX/XX/year>. Further duplications and inconsistencies appear under XXXX XXXX XXXX XXXX, also dated XX/XX/year>, and XX/XX/year>. I also noticed addresses on file that are unfamiliar or potentially outdated, including XXXX XXXX XXXX XXXX, XXXX, WA XXXX, and XXXX XXXX XXXX, XXXX, SC XXXX. These inaccuracies are not only unreflective of my actual financial behavior, but they are also causing harm 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
Consumer complaint received 2025-10-16 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: SC

Complaint narrative:
This follow-up pertains to a dispute I submitted under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, concerning multiple inaccuracies on my credit report that have yet to be properly addressed. Despite my previous request for a reinvestigation, I have not received any meaningful updates or clear explanations, and the disputed information remains unchanged. Upon reviewing my credit report, I found several entries that are either unverifiable, misleading, duplicated, or factually inaccurate. For example, there is a medical account with a listed balance of {$3300.00} and a {$0.00} payment amount, reported under XXXX XXXX XXXX XXXX, with the original creditor noted as XXXX XXXX XXXX XXXX XXXX. Additionally, there are questionable entries involving XXXX  with a reporting date of XX/XX/year> ; XXXX  accounts appearing with two separate dates, XX/XX/year>, and XX/XX/year> ; XXXX XXXX reporting on those same two dates ; and two entries for XXXX XXXX, both dated XX/XX/year>. Further duplications and inconsistencies appear under XXXX XXXX XXXX XXXX, also dated XX/XX/year>, and XX/XX/year>. I also noticed addresses on file that are unfamiliar or potentially outdated, including XXXX XXXX XXXX XXXX, XXXX, WA XXXX, and XXXX XXXX XXXX, XXXX, SC XXXX. These inaccuracies are not only unreflective of my actual financial behavior, but they are also causing harm to my credit profile.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Continental Finance Company, LLC
State: LA

Complaint narrative:
Multiple Inconsistent Reports and FCRA Violations XXXX/Continental Finance I am filing this complaint against XXXX XXXX XXXX XXXX ( XXXX )/ Continental Finance act XXXX XXXX XXXXXXXX XXXX XXXX XXXX and the credit reporting agencies for gross inaccuracies, inconsistent reporting, and possible willful noncompliance with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

As shown in the attached credit report screenshots, XXXX/Continental Finance has reported multiple conflicting versions of the same account under different balances and statuses including {$360.00}, {$410.00}, {$530.00}, {$720.00}, {$1700.00}, and {$3200.00} over a short period between XXXX and XX/XX/year>. 
This account has appeared as : Delinquent 30/60/120 days, Charged-off, Past due, and Increased balance without activity.

These inconsistent figures represent data furnishing errors and re-aging violations under FCRA 623 ( a ) ( 1 ) ( A ) and FCRA 605 ( c ), which prohibit furnishers from reporting misleading or obsolete information. Each balance update appears arbitrary and unsupported by any transactional evidence or statement.

Furthermore, by reporting multiple balances on what appears to be a single debt, Continental Finance is creating a false impression of continued delinquency and artificially depressing my credit score, violating FCRA 607 ( b ) ( requirement of maximum possible accuracy ) and FDCPA 807 ( 2 ) ( A ) ( false representation of the amount or legal status of a debt ).

I am also concerned this may be a pattern of discriminatory or retaliatory reporting.

For verification, my legal name is XXXX XXXX XXXX, as reflected on my drivers license ( attached ).

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