vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am submitting this complaint to report the failure of the major credit reporting agenciesXXXX, XXXX, and XXXX adequately investigate and resolve disputes I have filed regarding inaccurate and/or unverifiable information on my credit reports. 

Despite providing formal dispute letters in full compliance with the Fair Credit Reporting Act ( FCRA ), the credit bureaus have either failed to respond within the legally mandated timeframe or have continued to report erroneous information without conducting a reasonable investigation or offering proper validation. 

These unresolved errors have had a direct and negative impact on my creditworthiness, resulting in financial hardship, emotional stress, and difficulties accessing credit and other essential services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: KS

Complaint narrative:
I checked my credit and see some inquiries and accounts thats settled on my credit report and also accounts that was opened without my authorization Below are the accounts that I have been trying to remove from my credit report for the past and yet still no one is taking it out and its hurting my credit badly which is making life hard for me to be approved 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAINE & WEINER COMPANY, INC.
State: MI

Complaint narrative:
I recently checked my XXXX XXXX, I noticed a debt collection from Caine & Weiner. Ive never done business with company. Ive never signed any contracts with this company. This debt is not mine. Ive requested validation on XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: NY

Complaint narrative:
I am writing to formally dispute several inaccurate late payment entries on my credit report. These errors have severely impacted my credit profile, and I expect both the creditors and your agency to take immediate action to correct these inaccuracies. As a consumer, I am entitled to accurate and fair reporting under the Fair Credit Reporting Act ( FCRA ).

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Adjusters, LLC
State: TX

Complaint narrative:
I dispute this collection account because it is inaccurate and unverifiable. I requested validation under the FDCPA, including the original contract and proof of assignment, and none has been provided. The account remains on my credit report in violation of the FCRA. I request deletion or full documentation. This is harming my credit score unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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 a victim of identity theft and a victim of Equifax Data Breach. 

Please see supporting documentation pertaining to Equifax Data Breach.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
This letter serves as a formal dispute of the unauthorized accounts reflected on my credit report. I had no involvement in opening them and consider them fraudulent. Per XXXX XXXX XXXX XXXX, I demand their deletion within XXXX  days. Proof of identity and supporting evidence are enclosed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: WA

Complaint narrative:
Re : Formal Dispute of Late Payment Reporting Account [ Account Number ] To Whom It May Concern : I am formally disputing a late payment being reported on my credit file for the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Upon reviewing my records, I believe the reporting of this payment as late is inaccurate and violates my consumer rights for the following reasons : Failure to Accurately Reflect Payment Timing ( 15 U.S.C. 1666b ( c ) ) : Under the Truth in Lending Act, specifically 15 U.S.C. 1666b ( c ), a creditor may not treat a payment on a credit card account as late for any purpose if the payment was received by XXXX XXXX on the due date at the location specified for receipt of payments. 

My records indicate that my payment was submitted in accordance with these requirements and should not have been deemed late. Therefore, any late payment reporting based on this transaction is in violation of the protections afforded to me under this federal statute. 

Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : The Fair Credit Reporting Act requires that consumer reporting agencies maintain reasonable procedures to assure maximum possible accuracy of information contained in consumer reports. Inaccurate reporting of a late payment that was properly and timely made constitutes a violation of this provision. 

Violation of My Right to Privacy and Control Over My Credit Information ( 15 U.S.C. 1681b ( a ) ( 2 ) ) : Under the FCRA, consumer reports may only be furnished for permissible purposes and, in some cases, only with the written authorization of the consumer. Furnishing inaccurate information without ensuring its accuracy further compromises my rights to privacy and accuracy under this statute. 

Accordingly, I am requesting : That this late payment entry be thoroughly investigated ; That all supporting documentation used to verify the accuracy of the reporting be provided to me for my records ; That the inaccurate late payment entry be promptly corrected or deleted from my credit file if verification can not be substantiated. 

This letter serves as formal notice of my dispute. I expect a response and resolution of this matter within the time frame established under the FCRA ( 30 days upon receipt of this dispute ). 

Thank you for your immediate attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
Re : Formal Dispute of Late Payment Reporting Account [ Account Number ] To Whom It May Concern : I am formally disputing a late payment being reported on my credit file for the above-referenced account, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

Upon reviewing my records, I believe the reporting of this payment as late is inaccurate and violates my consumer rights for the following reasons : Failure to Accurately Reflect Payment Timing ( 15 U.S.C. 1666b ( c ) ) : Under the Truth in Lending Act, specifically 15 U.S.C. 1666b ( c ), a creditor may not treat a payment on a credit card account as late for any purpose if the payment was received by XXXX XXXX on the due date at the location specified for receipt of payments. 

My records indicate that my payment was submitted in accordance with these requirements and should not have been deemed late. Therefore, any late payment reporting based on this transaction is in violation of the protections afforded to me under this federal statute. 

Failure to Ensure Maximum Possible Accuracy ( 15 U.S.C. 1681e ( b ) ) : The Fair Credit Reporting Act requires that consumer reporting agencies maintain reasonable procedures to assure maximum possible accuracy of information contained in consumer reports. Inaccurate reporting of a late payment that was properly and timely made constitutes a violation of this provision. 

Violation of My Right to Privacy and Control Over My Credit Information ( 15 U.S.C. 1681b ( a ) ( 2 ) ) : Under the FCRA, consumer reports may only be furnished for permissible purposes and, in some cases, only with the written authorization of the consumer. Furnishing inaccurate information without ensuring its accuracy further compromises my rights to privacy and accuracy under this statute. 

Accordingly, I am requesting : That this late payment entry be thoroughly investigated ; That all supporting documentation used to verify the accuracy of the reporting be provided to me for my records ; That the inaccurate late payment entry be promptly corrected or deleted from my credit file if verification can not be substantiated. 

This letter serves as formal notice of my dispute. I expect a response and resolution of this matter within the time frame established under the FCRA ( 30 days upon receipt of this dispute ). 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: Fidelity National Information Services, Inc. (FNIS)
State: VA

Complaint narrative:
XXXX XXXX XXXX ID : XXXX Date of Birth : XX/XX/XXXX ID Type : Drivers Licenses ID # : XXXX Address : XXXX Golf XXXX XXXX XXXX XXXX, VA, XXXX ChexSystems XXXX XXXX. 
Attn : Consumer Relations XXXX XXXX XXXX XXXX, MN XXXX XXXX I am writing to request an investigation on the following information that appears on my ChexSystems XXXX report. I have NEVER opened or used the following account numbers. 

Bank : XXXX California Account # : XXXX Routing # : XXXX Bank : Bank XXXX XXXX Account # : XXXX Routing # : XXXX These account numbers are completely redacted or masked, showing only partial digits with multiple " X '' XXXX I find this highly suspicious. If these accounts truly belong to me, I should be able to see the full account numbers tied to them. As the consumer, I have a legal right to access all identifying account information on my own file. The fact that this information is hidden from me raises serious doubts about the legitimacy of these accounts. It appears ChexSystems is reporting accounts I can not verify or even view in full, which is another false or misleading claim against me. XXXX requesting that these entries that arent mine be removed from my report immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: MD

Complaint narrative:
I am disputing a debt with CREDIT XXXX  SERVICES, INC., and requested full validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ), as allowed by 15 USC 1692g Sec. 809. I formally requested detailed documentation to prove the validity of this debt, including a copy of the original agreement, itemized statements showing any additional fees, and proof that CREDIT XXXX  SERVICES , INC., has the authority to collect this debt on behalf of the creditor. Despite my request, I have not received adequate validation documentation as required by law, and they have continued collection efforts.

Additionally, if this debt is reported to the credit bureaus, I am concerned that it may appear as inaccurate information on my credit report, potentially violating the Fair Credit Reporting Act ( FCRA ). Any attempt to report this debt without validation would not only be misleading but also an infringement of my rights under both the FDCPA and FCRA.

I am filing this complaint to request assistance from the CFPB in ensuring that CREDIT XXXX SERVICES , INC., provides full validation documentation before any further collection efforts or reporting to credit bureaus continue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: OH

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section XXXX of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: HI

Complaint narrative:
Upon reviewing my report, I discovered multiple discrepancies that need immediate correction. I am requesting that you promptly investigate and correct these inaccuracies in accordance with the Fair Credit Reporting Act ( FCRA ).

I have attached copies of my government-issued ID, utility bills, and Social Security card to verify my correct personal information. Please initiate a thorough investigation and remove or correct these errors immediately. Please confirm in writing once the corrections have been made.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
No authorization was given for the credit pull associated with this inquiry. As such, it is not valid and should be promptly removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: HI

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: MD

Complaint narrative:
I have inquiries on my consumer report from companies that I did not authorize to pull my credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: FL

Complaint narrative:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
This account has been reported to my credit file and I have not been provided requested documentation of the fraudulent accounts and have done all by law requirements to have these accounts blocked and removed permanently however the accounts are being illegally reinserted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: CT

Complaint narrative:
On XX/XX/year> resurgent is trying to collect a debt of {$430.00} which isnt mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
Yes, XXXX writing to complain about a situation thats not getting resolved between XXXX XXXX XXXX and XXXX. The fingers are being pointed back-and-forth and XXXX just the middleman now!!! On XXXX XXXX an online dispute was completed with XXXX  and XXXX and myself on a three-way phone call. I did as instructed for the information to be updated correctly. It has not!!! The information should only be showing on the payment history XX/XX/XXXX in red not XXXX all that has transpired now is theyve moved the inaccuracy to XX/XX/XXXX in red, which is not only incorrect and lying, but not updated and no resolution l!! It clearly shows on the details page under that account that in THAT theres ( not more than XXXX late payments ) however, on the payment history page it says XX/XX/XXXX in XXXX, the inaccuracy and discrepancy is right there plain as day in between the XXXX pages. Ive begged and begged and begged for this to be corrected as it appears to me to be some type of computer glitch. Nothing has been resolved again its just going in circles with XXXX XXXX, pointing the fingers at Equifax and Equifax pointing the fingers at XXXX XXXX again no resolutio!!!!! XXXX in a very time sensitive situation now XXXX trying to get mortgage ready for my home. I have invested {$22000.00} in this home thats being built thats under construction not only am I going to lose my home I will not be able to retrieve the XXXX money back and lose {$22000.00} if this is not rectified immediately, XXXX scheduled to close in XXXX. XXXX out of time. I have exhausted every physical possible resource that I can do and still no resolution. XXXX writing you today to please please help me and get this matter resolved immediately. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: LA

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

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