vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Despite my lawful demand made pursuant to 15 U.S.C. 1692g of the Fair Debt Collection Practices Act ( FDCPA ) and 15 U.S.C. 1681s-2 of the Fair Credit Reporting Act ( FCRA ), your agency has failed to provide adequate legal validation of the alleged debt.

Instead, Experian responded with a generic summary of charges or statement balance, which does not satisfy the federal requirements for debt validation. The failure to provide the following constitutes noncompliance : 1. A copy of the original signed contract or agreement bearing my signature ; 2. A full chain of title including all assignments and transfers of the alleged debt ; 3. A bill of sale or purchase agreement proving legal ownership of the debt ; 4. Proof of licensing to collect debt in my state ; 5. Surety bond information ( if required by law in your jurisdiction ).

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 2025-10-02 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:
As a federally protected consumer, I have a right to privacy. A huge part of the FCRA is the privacy of consumer data. My information MUST be dealt with confidentiality and with respect to my right to privacy. This consumer reporting agency is not a bureau. In fact, they are a data broker that was not given any permissible purpose by me to report these items attached. They are defaming my character with this erroneous reporting. Delete all unauthorized items listed in my attached letters and update any late payment history due to the fact that it is misleading and deceptive because I can not be late on my own extension of credit. I am the original creditor. There is no verifiable proof of any late payment! I also attached an invoice for monetary relief since this data broker violated my rights! THESE ITEMS MUST BE DELETED WITHIN XXXX  DAYS ACCORDING TO 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 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
On XX/XX/year>, I submitted disputes regarding debts that credit agencies have reported against me. The basis of my dispute is that these debts were incurred while I was under circumstances of control and duress. I am a documented XXXX  XXXX victim, and as a result of that abuse, these accounts were opened and/or incurred without my free and voluntary consent. 

The disputed accounts are as follows : XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX While the credit bureaus have verified these items as accurate and made certain updates, I maintain that these debts are not valid. They were incurred under coercion and duress connected to documented XXXX  XXXX. 

Under the Fair Credit Reporting Act ( FCRA ) and the protections extended to victims of abuse, I respectfully request the removal of these accounts from my credit file, or in the alternative, a reinvestigation that includes full documentation supporting the claim of accuracy. If such evidence can not be provided, I request these accounts be deleted from my credit report. 

Please provide me with copies of any supporting documentation used in your verification process. If the agencies can not prove that I am personally responsible for these debts absent coercion or abuse, they must be removed from my file. 

Thank you for your understanding and prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CCS Financial Services, Inc.
State: CA

Complaint narrative:
On XX/XX/2025, I submitted disputes regarding debts that credit agencies have reported against me. The basis of my dispute is that these debts were incurred while I was under circumstances of control and duress. I am a documented XXXX  XXXX victim, and as a result of that abuse, these accounts were opened and/or incurred without my free and voluntary consent. 

The disputed accounts are as follows : XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 XXXXXXXX While the credit bureaus have verified these items as accurate and made certain updates, I maintain that these debts are not valid. They were incurred under coercion and duress connected to documented XXXX  XXXX. 

Under the Fair Credit Reporting Act ( FCRA ) and the protections extended to victims of XXXX, I respectfully request the removal of these accounts from my credit file, or in the alternative, a reinvestigation that includes full documentation supporting the claim of accuracy. If such evidence can not be provided, I request these accounts be deleted from my credit report. 

Please provide me with copies of any supporting documentation used in your verification process. If the agencies can not prove that I am personally responsible for these debts absent coercion or abuse, they must be removed from my file. 

Thank you for your understanding and prompt attention to this matter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 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:
Re : Formal Dispute of Unverified Collection Accounts Demand for Permanent Deletion To Whom It May Concern, This letter is a formal dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq.

The following collection accounts are being reported inaccurately, incompletely, and without proper verification : XXXX XXXX XXXX {$650.00} XXXX XXXX XXXX {$970.00} XXXX XXXX XXXX {$710.00} XXXX XXXX XXXX {$1700.00} Violations 1. 15 U.S.C. 1681e ( b ) TransUnion has failed to ensure maximum possible accuracy. These collections continue to be reported even though the furnishers failed to validate the debts. 
XXXX. 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) After multiple disputes, TransUnion failed to conduct a reasonable reinvestigation.

3. 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Unverifiable accounts must be deleted. Instead, they remain.

4. 15 U.S.C. 1692g ( b ) ( FDCPA ) Debt collectors are required to cease collection until proper validation is provided. Statements mailed in place of actual contracts, agreements, or itemized proof do not meet the standard of validation. Reporting unverifiable debts to TransUnion while in active dispute is a violation.

5. 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) Furnishing information known to be inaccurate is prohibited.

Demand for Action Permanently delete the above collection accounts from my credit file. 
Provide written confirmation of deletion within XXXX  days in compliance with 1681i ( a ) ( 6 ). 
Cease reporting unverifiable debts furnished by XXXX XXXX and XXXX XXXX. 
Prevent re-insertion of these accounts unless full compliance with 1681i ( a ) ( 5 ) ( B ) is met ( certification of accuracy and notice to consumer ).

Notice of Liability Failure to comply will be considered willful noncompliance under 15 U.S.C. 1681n and negligent noncompliance under 1681o, exposing TransUnion to statutory damages, attorneys fees, and punitive damages.

Additionally, I am preparing complaints to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Florida Attorney Generals Office against both TransUnion and the furnishing debt collectors for continued violations. 
Sincerely, 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 non-monetary relief
Consumer complaint received 2025-10-01 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: TX

Complaint narrative:
I am submitting this formal complaint regarding serious inaccuracies on my credit report that violate my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. These errors involve wrong addresses, unverifiable late payment notations, and improper collection accounts. 

Inaccurate / Wrong Addresses XXXX XXXX XXXX, XXXX, TX XXXX Wrong Address XXXX XXXX XXXX, XXXX, TX XXXX Wrong Address These addresses do not belong to me and should be removed immediately. 

Disputed Accounts/ Misreporting XXXX ( Acct : XXXX ) XXXX XXXX High Balance {$600.00} ; Date Opened XX/XX/XXXX ; reported Late Payment inaccurately. 

XXXX ( Acct : XXXX ) XXXX XXXX  High Balance {$2800.00} ; Date Opened XX/XX/XXXX ; Late Payment entry is not verified. 

XXXX XXXX ( Acct : XXXX ) XXXX XXXX  High Balance {$14000.00} ; Date Opened XX/XX/XXXX ; Late Payment not fully validated. 

XXXX XXXX ( Acct : XXXX ) XXXX XXXX High Balance {$5500.00} ; Date Opened XX/XX/XXXX ; Late Payment unverified. 

Disputed Collections XXXX XXXX XXXX ( Acct : XXXX ) XXXX XXXX High Balance {$410.00} ; Date Opened XX/XX/XXXX requires full validation. 

XXXX XXXX ( Acct : XXXX ) XXXX XXXX  XXXX XXXX {$140.00} ; Date Opened XX/XX/XXXX unverifiable collection. 

FCRA Violations Identified FCRA 1681e ( b ) : Failure to maintain maximum possible accuracy of information. 

FCRA 1681i : Failure to properly reinvestigate disputed accounts.

FCRA 1681s-2 : Furnishers reported inaccurate and unverifiable data.

Requested Relief I respectfully demand that the CFPB : Remove all wrong addresses listed above. 

Investigate and require full documentation for each disputed account. If proper validation can not be provided, these accounts must be deleted. 

Remove the unverifiable collection entries from XXXX XXXX XXXX and XXXX XXXX. 

Enforce compliance with the FCRA to ensure my credit file reflects only accurate, verifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: NV

Complaint narrative:
On XX/XX/year>, I received a Notice of Data Incident from but Equifax confirming unauthorized access to my personal data, including my Social Security Number and Date of Birth. Because my identity was compromised while in their control, my credit report now contains negative, unverifiable, and potentially fraudulent items. 

I disputed these accounts, but Equifax failed to remove them within the required XXXX window under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This provision requires immediate deletion of unverifiable items and prohibits reinsertion without proper certification and notice. Equifax has ignored these protections, leaving me exposed to identity theft harms and unlawful negative reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: WA

Complaint narrative:
This report is being submitted due to incorrect information appearing on my credit report. Equifax verified that a system error caused my personal details to be exposed and used fraudulently. I have been denied credit as a result, and I am requesting that this issue be corrected within XXXX business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: NY

Complaint narrative:
This is now the XXXX  time I am writing to dispute the inaccurate and incomplete XXXX  information reported on my credit report. Despite my previous requests, this matter remains unresolved. The repeated lack of response and corrective action not only violates my rights under the Fair Credit Reporting Act ( FCRA ) but has also caused unnecessary stress and potential harm to my financial reputation. 
Details of the Inaccuracy The XXXX  information reported on my credit file contains multiple inaccuracies and inconsistencies across bureaus, as outlined below : XXXX  Reference # : XXXX INACCURACIES OR ISSUES IN THE XXXX REPORTING XXXX. Filing Date Conflicts XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX XXXX Conflict : XXXX discrepancy XXXX. Reference Number Conflicts XXXX XXXX XXXX XXXX XXXX XXXX Equifax : XXXX All XXXX  are different should match for the same case XXXX. Court Name Conflicts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax : XXXX XXXX different formats/labels inconsistent reporting XXXX. Closing Date Issues XXXX  ( first record ) : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Equifax : Missing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Blank Not uniform across bureaus XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : No data at all ( type, status, date, reference #, closing date, court missing ). 
XXXX XXXX XXXX XXXX XXXX XXXX  Same completely blank. 
Makes it look like extra XXXX  exist but with no details. 

XXXX. Duplicate / Multiple Reporting XXXX XXXX XXXXXXXX XXXX XXXX is being reported multiple times, but with different details across XXXX XXXX, and Equifax. 
This duplication can lower credit score unfairly.

7. Asset, Liability, and Exempt Amounts All three bureaus list XXXX for Assets, Liability, and Exempt Amount. 
While not always inaccurate, it looks incomplete ( many reports usually show values unless truly {$0.00} ). 


Violations of the Fair Credit Reporting Act ( FCRA ) : 1. FCRA Section 607 ( b ) ( 15 U.S.C. 1681e ( b ) ) : Credit reporting agencies must ensure the maximum possible accuracy of the information reported. The discrepancies in filing dates, closing dates, and court details clearly violate this requirement.

2. FCRA Section 611 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681i ) : Credit bureaus are legally obligated to investigate disputes and correct inaccuracies within 30 days. Failure to do so constitutes a breach of consumer rights under federal law.

3. FCRA Section 623 ( a ) ( 1 ) ( A ) ( 15 U.S.C. 1681s-2 ) : Information furnishers are prohibited from knowingly reporting inaccurate or incomplete information.

4. FCRA Section 605 ( a ) ( 1 ) ( 15 U.S.C. 1681c ) : Bankruptcies must be reported accurately and can not contain incomplete or outdated information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: NV

Complaint narrative:
XXXXm reaching out to dispute an account thats currently showing on my credit report. I need you to certify, with full accuracy and confidence, that every single piece of data tied to this account actually belongs to me including but not limited to the account number, payment history, balances, dates, and all identifying details.

If you can not fully verify and certify that this account and all of the information attached to it is 100 % accurate and legitimately tied to me, then you are obligated to delete the entire account from my credit report immediately.

Let me be very clear : Im not asking whether the account looks familiar. I am demanding that you confirm that each data point reported under my name is accurate, verifiable, and truly mine. If theres even a shred of uncertainty, or if you can not produce the necessary records to validate this account as mine, it does not belong on my credit report and keeping it there would be a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-02 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: GA

Complaint narrative:
I implore you to promptly address this discrepancy on my credit report. I affirm that this account does not belong to me and strongly suspect it to be fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently filed a dispute regarding a collections that your company report on my credit report from XXXXXXXX XXXX XXXX XXXX XXXX. This is inaccurate information. You updated the balance to XXXX but it should be REMOVED COMPLETELY as my account was not with A COLLECTION AGENCY. My Balance was paid to the ORIGINAL and only CREDITOR XXXX. I will AGAIN attached documentation to verify this information. From XXXX XXXX XXXX SHOWING THE ORIGINAL AND CURRENT COMPANY AS XXXX, the XXXX bill showing paid to XXXX NOT XXXXXXXX XXXX XXXXXXXX! 
XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting a follow-up complaint regarding Equifaxs handling of my credit dispute. 

Equifax responded with the following statement : Thank you for submitting your complaint through the CFPB Complaint Portal. In your complaint, you indicated that there were inaccurate items reporting on your credit file. Equifax has completed its investigation, including contacting the furnisher of the information, where applicable. A summary of the results are listed below : Trade : XXXX XXXX EQUIFAX VERIFIED THAT THIS ITEM BELONGS TO YOU. 
We hope this resolves your concerns and, if applicable, a copy of the dispute results has been mailed to you. If you have any additional questions, you may call XXXXEQUIFAX ( XXXX ) or you may visit www.myequifax.com. 

This response is inadequate because : 1. Equifax failed to provide specific documentation or proof from the furnisher to verify that this account belongs to me.

2. Under the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681i ), Equifax is required to conduct a reasonable reinvestigation. A simple confirmation from the furnisher without supporting documentation does not satisfy this requirement.

3. The disputed account remains inaccurate and is causing harm to my creditworthiness. 
XXXX. XXXX XXXX has not responded to the CFPB regarding this dispute, so it is unclear how Equifax could have verified this account as belonging to me. This raises serious questions about the validity of Equifaxs verification process. 
5. Equifax has been subject to multiple lawsuits and regulatory actions for failing to properly investigate consumer disputes and for systemic noncompliance with the FCRA, which reflects a pattern of disregarding consumers rights. 

Requested Resolution : I am requesting that Equifax either provide documented proof that this account legitimately belongs to me or remove the item from my credit report. 
I request CFPB oversight to ensure Equifax complies with its legal obligations under the FCRA and does not continue this harmful pattern of behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-01 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: WA

Complaint narrative:
XXXX XXXX XXXX Balance : {$1700.00} Original Creditor : XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Balance : {$930.00} Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX. 
Note : This appears to be a duplicate reporting of the same account. 
Reasons for Dispute : XXXX XXXX has not provided proper validation of ownership or assignment of the debt. 
The duplicate account is inaccurately reporting the same debt twice. 
XXXX XXXX : {$1000.00} Status : Charged off Reasons for Dispute : These accounts may be inaccurate and/or duplicated. 
The address history associated with these accounts does not match my verified addresses on file. 
XXXX has reported inconsistent and unverifiable information regarding balances and dates. 
XXXX Requested : I request deletion of all duplicate or unverifiable accounts from my credit report in compliance with 15 U.S.C. 1681i and 15 U.S.C. 1681c-2.

Please investigate these accounts and provide written results of your investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-01 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: WA

Complaint narrative:
XXXX XXXX XXXX Balance : {$1700.00} Original Creditor : XXXXXXXX XXXX XXXX XXXX 
XXXX XXXX XXXX Balance : {$930.00} Original Creditor : XXXXXXXX XXXX XXXX XXXXXXXX. 
Note : This appears to be a duplicate reporting of the same account. 
Reasons for Dispute : XXXX XXXX has not provided proper validation of ownership or assignment of the debt. 
The duplicate account is inaccurately reporting the same debt twice. 
XXXX XXXX : {$1000.00} Status : Charged off Reasons for Dispute : These accounts may be inaccurate and/or duplicated. 
The address history associated with these accounts does not match my verified addresses on file. 
XXXX has reported inconsistent and unverifiable information regarding balances and dates. 
XXXX Requested : I request deletion of all duplicate or unverifiable accounts from my credit report in compliance with 15 U.S.C. 1681i and 15 U.S.C. 1681c-2.

Please investigate these accounts and provide written results of your investigation.

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