vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-09 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Unauthorized withdrawals or charges — 
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
I am a victim of identity theft. The information listed below, which appears on my credit report, does not relate to any transaction ( XXXX ) that I have made. It is the result of identity theft. 

[ Identify item ( XXXX ) resulting from the identity theft that should be blocked, by name of the source, such as the credit card issuer or bank, and type of item, such as credit account, checking account, etc. ] Please block this information from my credit report, pursuant to section XXXXB of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information. 

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled. 
A copy of my Identity Theft Report and proof of my identity. 
A copy of section XXXXB of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identity theft within XXXX business days and to promptly notify the furnisher ( XXXX ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: IL

Complaint narrative:
I have found a fraudulent account on my credit report, the account is from XXXX XXXX XXXX XXXX with the account number XXXX opened on XXXX. Please remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
I am submitting this complaint to dispute several items on my credit report that I believe are inaccurately reported, unverified, or were listed without my authorization. I respectfully request a thorough investigation and removal of any information that can not be substantiated. 
Some of the accounts listed as late-closed, including XXXX  XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), XXXX XXXX  ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), and XXXX ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ), all show a XXXX balance. Upon reviewing my records, I believe these accounts may have been reported incorrectly or incompletely. Under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), 607 ( b ) ( 15 U.S.C. 1681e ( b ) ), and 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), I have the right to dispute inaccurate or incomplete reporting and ensure my credit file is correct. 
Additionally, there are charge-off accounts reported, including XXXX XXXX XXXX and XXXX XXXX , showing XXXX balances. There is also a XXXX XXXX XXXX account with a balance of {$5600.00} that does not have a proper IRS Form 1099-C filed for debts over {$600.00}. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ), and CRA 607 ( b ), I am entitled to dispute unverified debts and request that unverifiable or inaccurately reported charge-offs be removed from my credit report.

My report also contains several inquiries that I did not authorize, including XXXX XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX and XX/XX/XXXX ), XXXX ( XX/XX/XXXX and XX/XX/XXXX ), XXXX XXXX XXXX  ( XX/XX/XXXX ), XXXX XXXX  ( XX/XX/XXXX and XX/XX/XXXX ), and XXXX XXXX XXXX XXXX ( XX/XX/XXXX ) XXXX  # XXXX ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), XXXX  ( XX/XX/XXXX ), and XXXX  ( XX/XX/XXXX ). XXXX XXXX ( XX/XX/XXXX ), XXXX XXXX XXXXXXXX ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX ), XXXX  XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX ( XX/XX/XXXX ), XXXX XXXX ( XX/XX/XXXX ), and XXXX XXXX ( XX/XX/XXXX ).. These inquiries violate FCRA 619 ( 15 U.S.C. 1681q ) and FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), as I never provided consent for these companies to access my credit. They must be fully investigated and removed.

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 2025-09-09 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: F.H. Cann & Associates, Inc.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Email : XXXX Phone : ( XXXX ) XXXX XXXX : XX/XX/XXXX Date : XX/XX/XXXX To : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX Re : Complaint Regarding F.H. Cann & Associates XXXX XXXXXXXX XXXX Acct. # XXXX Dear Consumer Financial Protection Bureau, I am filing a formal complaint against F.H. Cann & Associates and the credit reporting agencies ( XXXX XXXX XXXX XXXX ) for continued reporting of inaccurate and unvalidated debt. 
XXXX XXXX XXXX  ( Acct. # XXXX, XXXX XXXX : XXXXXXXX XXXX ) is being reported for {$1500.00}. I have disputed this account, yet it continues to be reported without proper validation. 
Key Issues : 1. Under 15 U.S.C. 1681i, the credit bureaus must conduct a proper reinvestigation.

2. Under 15 U.S.C. 1681s-2 ( b ), F.H. Cann & Associates must review all evidence and provide proof of the debts accuracy.

3. Under 15 U.S.C. 1692g, F.H. Cann & Associates must validate the debt upon request, which has not been done.

Requested Relief : - Immediate deletion of this collection account from my credit reports.

- Assurance that F.H. Cann & Associates ceases reporting unverifiable debt. 
Sincerely, XXXX XXXX Enclosures : - Copies of dispute letters to the bureaus- Copy of debt validation request to F.H. Cann & Associates - Government-issued ID and proof of address

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with an inaccurate account reported on my credit report. Specifically, the account in question is XXXX  ( XXXX ) with a reported balance of {$4100.00}. The account shows the following late payment history : Late 90 Days : XX/XX/XXXX Late 120 Days : XX/XX/XXXX Open Date : XX/XX/XXXX After reviewing this account, I believe there is a significant inconsistency in how the late payments are being reported. According to standard credit reporting guidelines, late payments should follow a logical progressionstarting with 30 days late, followed by 60 days late, 90 days late, and 120 days late if applicable. However, in this case, the report skips the initial 30-day and 60-day late payments, jumping directly to 90 and 120 days late. This discrepancy has raised concerns that the account is not being reported correctly and XXXX be inaccurately impacting my XXXX score. 

As stated in FCRA 623 ( a ) ( 1 ) ( A ), furnishers are required to report accurate and truthful information to credit reporting agencies. Additionally, FCRA 605 ( a ) ensures that negative information remains on a credit report for no more than XXXX years from the date of first delinquency, and FCRA 611 ( 15 U.S.C. 1681i ) gives me the right to dispute inaccuracies in the information reported. This account does not align with the proper sequence of late payments, and I believe it should be corrected to reflect the accurate payment history. 

I am reaching out to file this formal complaint and request that the credit bureaus and XXXX take immediate action to correct this reporting error, as it is causing unnecessary harm to my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: TX

Complaint narrative:
I am submitting this complaint regarding an issue with an inaccurate account reported on my credit report. Specifically, the account in question is XXXX  ( XXXX ) with a reported balance of {$4100.00}. The account shows the following late payment history : Late 90 Days : XX/XX/XXXX Late 120 Days : XX/XX/XXXX Open Date : XX/XX/XXXX After reviewing this account, I believe there is a significant inconsistency in how the late payments are being reported. According to standard credit reporting guidelines, late payments should follow a logical progressionstarting with 30 days late, followed by 60 days late, 90 days late, and 120 days late if applicable. However, in this case, the report skips the initial 30-day and 60-day late payments, jumping directly to 90 and 120 days late. This discrepancy has raised concerns that the account is not being reported correctly and XXXX be inaccurately impacting my XXXX score. 

As stated in FCRA 623 ( a ) ( 1 ) ( A ), furnishers are required to report accurate and truthful information to credit reporting agencies. Additionally, FCRA 605 ( a ) ensures that negative information remains on a credit report for no more than XXXX years from the date of first delinquency, and FCRA 611 ( 15 U.S.C. 1681i ) gives me the right to dispute inaccuracies in the information reported. This account does not align with the proper sequence of late payments, and I believe it should be corrected to reflect the accurate payment history. 

I am reaching out to file this formal complaint and request that the credit bureaus and XXXX take immediate action to correct this reporting error, as it is causing unnecessary harm to 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 non-monetary relief
Consumer complaint received 2025-09-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
On or about XX/XX/year>, Capital One locked me out of my account for reasons unbeknownst to me. Whenever I tried to log in it just came up with an error message stating to call their toll free number for assistance. I'm currently overseas and it's very expensive to make such call so I didn't immediately call. On or about mid XXXX Capital One claims they sent me notice stating I needed to do x, y, or z or that my XXXX account would be closed. 

The biggest problem with this notice, is that I was locked out of my account and had no possible way to access this information. 

Eventually in the past XXXX weeks I've reached out to them at an excessive expense. They are advising me that my account is closed and that it will not be reopened because I didn't comply with their directive which I had no way to access. 

This has costed a hit to my credit due to XXXX worth of credit to be removed from my portfolio. Which effects my overall available credit vs. credit used. 

In additional in the past week Capital One has approved me for another card ( XXXX ) but only for XXXX. A new account that is now also locked.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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:
I, XXXX XXXX, am filing this complaint against Experian, Equifax, and TransUnion for failing to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 

On XX/XX/year>, I obtained my credit report from XXXX and found multiple inaccuracies. Despite submitting a valid dispute with proper identification and documentation, the credit bureaus have not conducted a proper reinvestigation or provided a required method of verification, violating 15 U.S.C. 1681e ( b ), 1681g, and 1681i. 

Disputed Items : Incorrect Personal Information Current Address : XXXX XXXX XXXX XXXX XXXX XXXX incorrect/incomplete ) Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX incorrect XXXX Charge Off XXXX XXXX Account No. XXXX * * * * * * * * * * * * * * * Late Payment XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX. XXXX * * * * * * * * * These items are inaccurate, incomplete, or unverifiable. Under 15 U.S.C. 1681i ( a ) ( 5 ), the credit bureaus are required to delete unverifiable information.

Violations : 15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to assure maximum possible accuracy.

15 U.S.C. 1681i ( a ) ( 1 ) : Failure to conduct a lawful reinvestigation.

15 U.S.C. 1681i ( a ) ( 7 ) : Failure to provide a method of verification.

15 U.S.C. 1681g : Failure to provide a full consumer file disclosure.

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 2025-09-09 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: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in 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 2025-09-09 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: CA

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-09-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-09-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name and all other information doesnt seem to look exactly the same on my ID and other documents. I have attached the letters and ID Docs for you to be able to update my personal information. I know these are just personal information but these things will definitely help a lot if updated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-09 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: FL

Complaint narrative:
To whom it may concern, I am writing to formally dispute the accounts reported on my consumer credit report, which are attributed to potential fraud or potential unauthorized activity, as indicated in the reference below : FCRA Section XXXX. I kindly request verifiable evidence bearing my signature/electronic signature. Please review this letter meticulously as it is submitted on my behalf. I have not authorized such actions, potentially constituting a violation of my consumer rights under the Fair Credit Reporting Act Section XXXX. I have previously contacted the relevant companies and have determined that these actions may have been undertaken without appropriate validation or original documentation from any of the reporting entities. Your prompt attention to this matter is greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — Rental debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP
State: NV

Complaint narrative:
Dear Consumer Response Center, I am submitting this formal complaint regarding a debt collection law firm, Kimball , Tirey & St. John LLP, which appears to be in violation of the Fair Debt Collection Practices Act ( FDCPA ) and possibly the Fair Credit Reporting Act ( FCRA ). 

On [ Insert Date You Sent Dispute ], I sent a timely written dispute and request for validation of an alleged debt they are reporting to Experian under the reference number XXXX. To date, no adequate validation or itemized documentation has been provided. 

Despite this failure to validate, the collection continues to be reported on my credit report. This is a direct violation of 15 U.S.C. 1692g ( c ), which prohibits continued collection activity including credit reporting when a debt is disputed in writing and not validated.

I am requesting that the Consumer Financial Protection Bureau investigate this violation and compel the collector to either provide full validation or remove the account from my credit reports. Their actions are materially damaging to my credit profile and my rights as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX Date : XX/XX/year> XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX ( XXXX ) XXXX To w

hom it may concern, I am requesting validation of the debt you claim I owe, as provided for by the Fair Debt Collection Practices Act ( FDCPA ). Please provide : 1. The amount of the debt and how it was calculated. 2. The name of the original creditor. 3. Verification that I am legally obligated to pay this debt. 4. Agreement that you have authority to collect this alleged debt. 5. Agreement that bears signature of the alleged debtor with promises to pay the original creditor. Until you provide this documentation, please cease all collection activity. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: NY

Complaint narrative:
This is unfair, illegal, fraudulent, and inequitable to me as a consumer!

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 2025-09-09 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: LA

Complaint narrative:
TransUnion LLC XXXX XXXX XXXX XXXX, PA XXXX Subject : Dispute of Inaccurate Information Data Breach Impact To Whom It May Concern, I am disputing the continued reporting of inaccurate items on my credit file. Because of the TransUnion data breach, my personal information was compromised, and the repeated verification of these accounts is unacceptable and unlawful. 

Under the Fair Credit Reporting Act ( FCRA XXXX ( b ), XXXX, XXXX ), TransUnion must assure maximum possible accuracy, properly reinvestigate disputes, and remove unverifiable or inaccurate data. Since these accounts remain after multiple disputes, deletion is mandatory. 

I demand immediate removal of these items and written confirmation that they will not be reinserted. Failure to comply will result in complaints filed with the CFPB and other regulators. These are the inquiries that is not accurate and dose not belong to me XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX  ( Finance ) XX/XX/XXXXXXXX XXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Auto ) XX/XX/XXXX XXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX XXXXXXXX ( Bank ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXXXXXX XXXX ( Finance ) XX/XX/XXXX XXXX ( Finance ) XX/XX/XXXX XXXX XXXX ( Bank ) XX/XX/XXXX XXXXXXXX XXXX ( Finance ) XXXX Now these are they accounts = XXXX  Closed on XX/XX/XXXXXXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX = XXXX XXXX Closed on XX/XX/XXXX XXXX XXXX XXXX Closed on XX/XX/XXXX XXXX Opened XX/XX/XXXX {$7700.00} XXXX XXXXXXXX Opened XX/XX/XXXX {$550.00} XXXX XXXX XXXX  Opened XX/XX/XXXX {$390.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-09 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: IL

Complaint narrative:
I am contesting the late payment and delinquent remarks that have been reported. These are incorrectmy payments were made on time or as previously arranged. Please revise the account to Paid as Agreed and remove any delinquency information.

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