vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-15 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: NJ

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-05-15 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:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL

Complaint narrative:
Cap1/Kolhs Department is violating my rights. They have not provided validation information Under 12 CFR 1006.34 ( b ) ( 5 ) yet they have placed a collection on my consumer report. I have made previous attempts to fix these issues directly with them. They are violating my rights and I'm entitled to {$1000.00} for every violation I listed. They either pay me or delete these accounts ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
Banking and reporting errors are currently damaging my credit profile. Under the Truth in Lending Act ( 15 U.S. Code 1666 ( b ) ), creditors are legally obligated to report payments and account information with complete accuracy. However, my payments have not been properly recorded, and there are evident miscalculations in the reported balances. Furthermore, I was not provided the mandatory 21-day advance notice prior to a payment due date, rendering any resulting late payment marks invalid. These violations of federal law are unjust and must be corrected immediately to prevent further harm to my credit standing.

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 2025-05-15 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: FL

Complaint narrative:
Debt validation letter XXXX XXXX XXXX freedom acres XXXX XXXX XXXX Fl, XXXX XX/XX/year> CREDIT COLLECTION SERVICES Re : Request for Debt Validation / Verification Dear, CREDIT COLLECTION SERVICES I am writing in response to a collection notice I received from your agency regarding an alleged debt. Pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide validation and verification of this debt. 

Please provide the following information : The amount of the debt owed. 
The name of the original creditor. 
A copy of the original contract or agreement. 
A detailed statement showing the calculation of the debt. 
Proof that you are authorized to collect on this debt. 
Any judgments or legal documents related to this debt. 

Please cease all collection activity until you have provided the requested validation. I am aware of my rights under the FDCPA and will take appropriate action if I do not receive proper validation. 

Please send all correspondence regarding this matter to the address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: VA

Complaint narrative:
This account was charged off in XX/XX/year>. However, since that date, it has been repeatedly updated each month as a " charged off '' account, reflecting ongoing payment history. This is both inaccurate and misleading. A charged-off account should not continue to report an active payment history, as this implies ongoing activity on an account that has been closed and written off.

Such reporting inaccurately influences the payment history and may misrepresent the status and age of the debt, thereby potentially affecting the statute of limitations. This misreporting is not only misleading but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Despite multiple attempts to contact the credit bureau to have this information corrected, the matter has not been properly investigated or resolved. Because of continued failure to correct this error, I am demanding a deletion of the following account : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX 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 2025-05-15 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: VA

Complaint narrative:
This account was charged off in XX/XX/year>. However, since that date, it has been repeatedly updated each month as a " charged off '' account, reflecting ongoing payment history. This is both inaccurate and misleading. A charged-off account should not continue to report an active payment history, as this implies ongoing activity on an account that has been closed and written off.

Such reporting inaccurately influences the payment history and may misrepresent the status and age of the debt, thereby potentially affecting the statute of limitations. This misreporting is not only misleading but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Despite multiple attempts to contact the credit bureau to have this information corrected, the matter has not been properly investigated or resolved. Because of continued failure to correct this error, I am demanding a deletion of the following account : Creditor : XXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint is filed pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) requesting that you, the credit reporting agency ( TransUnion, Equifax, or Experian ), block fraudulent information appearing on my consumer credit report that is the result of identity theft. As required by law, this must be done within four ( 4 ) business days of receiving this complaint. 

The inaccurate and unauthorized items include the following fraudulent hard inquiries, all made without my knowledge or consent : XXXX XXXXXXXX via Dealer ( XX/XX/year> ) XXXX XXXX via XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX ( XX/XX/year> ) XXXX XXXX XXXX  ( XX/XX/year> ) XXXX XXXX XXXX via XXXX XXXXXXXX XXXX  XXXX ( XX/XX/year> ) XXXX XXXX XXXX XXXX ( XX/XX/year> ) These inquiries are not associated with any applications I made, and I do not recognize or authorize them. They are the result of identity theft and have affected my credit profile negatively. 



Attached to this complaint are the following documents : I am requesting that you investigate and block these fraudulent inquiries from my credit file as required by federal law. Thank you for your timely attention and resolution 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 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Multiple companies have accessed my credit report through Equifax without my authorization, causing unjust damage to my credit score. Despite prior assurances from Equifax representatives, these fraudulent and unauthorized inquiries remain unresolved. This raises serious concerns about identity theft and constitutes a violation of my rights. I demand immediate removal of these inquiries and a formal explanation. The ongoing failure to correct this issue has resulted in significant financial and emotional harm, and I expect urgent resolution without further delay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: OR

Complaint narrative:
Several companies have accessed my credit report without my authorization, causing unjust harm to my credit score. Despite prior assurances from Experian, these fraudulent inquiries persistraising serious concerns about identity theft and violating my rights. I demand their immediate removal and a formal explanation. The ongoing inaction has resulted in substantial financial and emotional distress, and I expect this matter to be resolved without further delay.

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 2025-05-15 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: MO

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - tied up days XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$710.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$710.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: MO

Complaint narrative:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and TransUnion Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} - tied up days XX/XX/year> XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$710.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$500.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$3100.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1700.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$710.00}

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 2025-05-15 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 carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 2025-05-15 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 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: VA

Complaint narrative:
This account was charged off in XX/XX/year>. However, since that date, it has been repeatedly updated each month as a " charged off '' account, reflecting ongoing payment history. This is both inaccurate and misleading. A charged-off account should not continue to report an active payment history, as this implies ongoing activity on an account that has been closed and written off.

Such reporting inaccurately influences the payment history and may misrepresent the status and age of the debt, thereby potentially affecting the statute of limitations. This misreporting is not only misleading but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ).

Despite multiple attempts to contact the credit bureau to have this information corrected, the matter has not been properly investigated or resolved. Because of continued failure to correct this error, I am demanding a deletion of the following account : Creditor : XXXX XXXX Account Number : 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 non-monetary relief
Consumer complaint received 2025-05-15 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: VA

Complaint narrative:
This account was charged off in XX/XX/year>. However, since that date, it has been repeatedly updated each month as a " charged off '' account, reflecting ongoing payment history. This is both inaccurate and misleading. A charged-off account should not continue to report an active payment history, as this implies ongoing activity on an account that has been closed and written off. 

Such reporting inaccurately influences the payment history and may misrepresent the status and age of the debt, thereby potentially affecting the statute of limitations. This misreporting is not only misleading but also a violation of my rights under the Fair Credit Reporting Act ( FCRA ). 

Despite multiple attempts to contact the credit bureau to have this information corrected, the matter has not been properly investigated or resolved. Because of continued failure to correct this error, I am demanding a deletion of the following account : Creditor : 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 non-monetary relief
Consumer complaint received 2025-05-15 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: NY

Complaint narrative:
Inaccurate information on my credit report. These accounts are not mine or made by anyone that had my permission to do so. please remove immediately as these accounts are impacting my credit negatively. I have filed an FTC report for the identity theft.

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 2025-05-15 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: NY

Complaint narrative:
Inaccurate information on my credit report. These accounts are not mine or made by anyone that had my permission to do so. please remove immediately as these accounts are impacting my credit negatively. I have filed an FTC report for the identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations.

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-15 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: QUALITY ACCEPTANCE LLC
State: CA

Complaint narrative:
FORMAL COMPLAINT To : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Re : Unlawful Contract Assignment and Repossession ( XX/XX/XXXX Transaction ) Summary of Grievances Unenforceable Contract : XXXX XXXX XXXX failed to provide a fully executed Retail Installment Sales Contract ( XXXX ) signed by both parties, violating [ Your State ] XXXX Retail Installment Sales Act. 

Fraudulent Assignment : The dealership unlawfully sold an invalid contract to Quality Acceptance LLC, which lacks legal standing to collect payments. 

Wrongful Repossession : Quality Acceptance repossessed the vehicle despite knowledge of the contracts invalidity, violating the Fair Debt Collection Practices Act ( FDCPA ). 

Key Facts XX/XX/XXXX Transaction : Purchased XXXX XXXX XXXX from XXXX XXXX XXXX. 

Missing Signatures : Received only a partially signed XXXX ( attached ). XXXX XXXX XXXX never returned a countersigned copy. 

Payments Made : XXXX [ {$9500.00} ] to Quality Acceptance between XX/XX/XXXX to XX/XX/XXXX + {$1500.00} down payment despite no valid assignment. 

Repossession : Vehicle repossessed on [ Date ] without proper notice or legal justification. 

XXXX XXXX XXXX XXXX XXXX : Breached California 's requirement for a fully executed XXXX. 

Engaged in deceptive trade practices under [ Your State ] s Consumer Protection Act.

Quality Acceptance LLC : Violated FDCPA 1692e ( 2 ) ( A ) by pursuing unenforceable debt.

Failed to validate the debt upon request, per FDCPA 1692g.

Company response to consumer: Closed with explanation