vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
I am writing to dispute accounts that are being reported on my credit report, which constitutes a violation of the Fair Credit Reporting Act ( FCRA ) pursuant to 15 U.S.C. 1681c-2. Therefore, I respectfully request that this information be blocked or deleted immediately.

I am enclosing a copy of my Identity Theft Report issued by the Federal Trade Commission ( FTC ), FTC REPORT NUMBER : XXXX, as supporting evidence for my claim. 

According to 15 U.S.C. 1681c-2, once a consumer submits an identity theft report, credit-reporting agencies are legally required to block any information identified by the consumer as resulting from such identity theft within four ( 4 ) business days.

The following information in my credit file is the result of a clear FCRA violation and must be blocked immediately : XXXX XXXX / Account Number : XXXXXXXX XXXX XXXXXXXX / Account Number : XXXX XXXX XXXX / Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX / Account Number : XXXX Additionally, 15 U.S.C. 1681b states that a credit-reporting agency may not include information in a consumers file unless there is a valid authorization or permissible purpose. I never authorized the opening or reporting of these accounts, and there is no signed contract or consent from me that justifies their inclusion in my credit report.

Therefore, the continued presence of these accounts constitutes not only the result of identity theft but also the unauthorized use and disclosure of my personal information, in direct violation of the FCRAs requirements.

In accordance with 15 U.S.C. 1681c-2 and 1681b, I respectfully request that these accounts be blocked and deleted immediately from my credit report and that they no longer be reported in any manner.

I have contacted Equifax on multiple occasions to report these accounts, but I have yet to receive a clear or definitive resolution to this matter. This situation is causing me serious harm, as I am in the process of purchasing a new home for my children and seeking financial tools to support my economic growth. These negative accounts are blocking my opportunities and causing both personal and financial damage. 

Furthermore, some of these accounts have already been deleted by other credit bureaus, as they were unable to verify them under the procedures required by law. I do not understand why this agency continues to report them on my credit file. 

I have also requested copies of any contracts related to these accounts from the companies reporting them, and after more than 60 days, I have not received a single response. This further supports the fact that there is no verifiable evidence or legal basis for continuing to report this information. 

I respectfully request that you assist me by removing these accounts immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
To Whom It May Concern, I am filing this formal complaint against Credit Collection Services ( CCS ) for unfair and unlawful debt collection and credit reporting practices in connection with a XXXX XXXX debt, now showing on my XXXX  credit report. 

This account was opened XX/XX/year>, with an original balance of {$150.00}. Almost immediately after opening, CCS began reporting the account in collections. Since then, CCS has continuously reported C ( collection ) marks every single month, damaging my credit. Despite this : I was never properly notified before the debt was reported. 
Debt validation was never provided. 
The account has not been marked as disputed, even though I contest its accuracy. 
The repeated reporting of derogatory marks on a small, unverified balance appears abusive and excessive. 



Violations : FCRA Violations : 1681e ( b ) Inaccurate, unverified reporting 1681s-2 ( b ) Failing to correct or mark the account disputed 1681i ( a ) Failure to reinvestigate or resolve disputed information FDCPA Violations : 1692g ( b ) No validation of debt before continued collection 1692e ( 8 ) Failure to report the account as disputed 1692f ( 1 ) Attempting to collect on an unverified and questionable balance 1692d Harassment via aggressive negative credit reporting

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 2025-08-05 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate 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
Consumer complaint received 2025-08-05 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: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: NC

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX Date : XX/XX/XXXX To : Department of Education XXXX Nelnet Subject : CEASE AND DESIST & DEBT VALIDATION DEMAND ACCOUNT # XXXX To Whom It May Concern, This letter is a formal CEASE AND DESIST notice and DEBT VALIDATION DEMAND under the full authority of the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). I am demanding the immediate removal of the below-referenced account from my credit report unless it can be fully validated with legally sufficient documentation. 

Account Details : Account Name : DEPT OF EDUCATION / XXXX Account Number : XXXX Account Type : Education Responsibility : Individual Date Opened : XX/XX/XXXX Status : Open. {$5000.00} past due as of XX/XX/XXXX. 
Status Updated : XXXX XXXX Balance : {$65000.00} Balance Updated : XX/XX/XXXX Monthly Payment : {$620.00} Original Balance : {$36000.00} Terms : 120 Months DEMANDS Immediately cease and desist from all forms of contact with me regarding this account. 
Provide full debt validation, including : A copy of the original promissory note bearing my signature A complete payment history detailing how the balance increased Verification of the correct status, balance, delinquency, and reporting history Proof of legal right to collect or report this debt If this debt can not be validated in full, you must remove all references to this account from XXXX, XXXX, and XXXX. 

LEGAL WARNING Failure to comply with this request within 15 calendar days will result in formal complaints being filed with : Consumer Financial Protection Bureau ( CFPB ) Federal Trade Commission ( FTC ) U.S. Department of Education Inspector General North Carolina Attorney General I will also pursue civil damages under 15 U.S.C. 1692k and 1681n for willful noncompliance and defamation. 

You are strictly prohibited from any further contact with me unless it is to fulfill this request in writing. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, NC XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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: KS

Complaint narrative:
I am writing to formally dispute the late payment entries currently listed on my credit report. I have repeatedly attempted to have these discrepancies reviewed and corrected, yet no significant action has been taken. Despite submitting all required documentation and following up multiple times, the inaccuracies remain unresolved. 
This prolonged issue has caused ongoing financial strain and has negatively affected both my credit standing and overall well-being. The process of addressing these errors has been not only frustrating but also mentally and emotionally exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the legal right to a credit report that accurately reflects my financial history. This includes the timely correction or removal of outdated, incorrect, or unverifiable information. I am therefore urging your office to take immediate and appropriate action to update or delete the reported late payment entries in question.

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 2025-08-05 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: MI

Complaint narrative:
Equifax violated my rights as a consumer by not blocking FRAUDULENT information resulted from identity theft by Equifax furnishing these accounts on my consumer report. I, the consumer, demanded a block on the fraudulent information pursuant to 15 U.S. Code 1681c-2 no later than four ( 4 ) business days after the date of receipt. Equifax responded to my CFPB complaint on XX/XX/year> that my complaint was received. However, as of XX/XX/year> the information is still not blocked and removed. I have attached all required consumer documents for Equifax to block the fraudulent information ; a copy of government issued identification card, a copy of a current utility bill, a copy of a identity theft report, a statement by the consumer in the identity theft report and CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: NJ

Complaint narrative:
Hello, my name is XXXX XXXX, and I have received a copy of my credit reports and I am disputing some items that need to be deleted. 
I have listed the account, the opening date and the account number when possible below. 
The reasons why these items should be deleted are indicated below. These items are NOT reported evenly on my credit reports. 

Thank you, XXXXXXXX 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 2025-08-05 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: NJ

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-05 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-05 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: FL

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : * * Creditor/Collection Agency Name : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$2900.00} XXXX * Date of Account : XX/XX/XXXXXXXX XXXX XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$3000.00} XXXX XXXX Date of Account : XX/XX/XXXXXXXX XXXX XXXX Creditor/Collection Agency Name : XXXXXXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$620.00} XXXX XXXX Date of Account : XX/XX/XXXX I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 

I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA.

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 2025-08-05 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: FL

Complaint narrative:
Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically Sections 611 ( 15 U.S.C. 1681i ) and 609 ( 15 U.S.C. 1681g ), as well as the Fair Debt Collection Practices Act ( FDCPA ), specifically Section 809 ( 15 U.S.C. 1692g ), I am writing to dispute the following collection account that appears on my recent credit report : * * Creditor/Collection Agency Name : XXXXXXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$2900.00} XXXX * Date of Account : XX/XX/XXXXXXXX XXXX XXXX Creditor/Collection Agency Name : XXXX XXXX XXXX Account XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Amount : {$3000.00} XXXX XXXX Date of Account : XX/XX/XXXXXXXX XXXX XXXX Creditor/Collection Agency Name : XXXXXXXX XXXX XXXX XXXX XXXX Account XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Amount : {$620.00} XXXX XXXX Date of Account : XX/XX/XXXX I did not authorize this account and do not recognize the mentioned debt. I request that you investigate this account and remove it from my credit report as soon as possible. 

In accordance with the FDCPA, specifically Section 809 ( 15 U.S.C. 1692g ), I request validation of this debt. Please provide me with verifiable proof that this debt belongs to me. 

I appreciate your prompt attention to this matter and look forward to your response in accordance with the FCRA and FDCPA.

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 2025-08-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
After reviewing my credit report, I found multiple accounts and inquiries that are either inaccurate, outdated, or not legally verified. Some of the accountssuch as those from XXXX XXXX, XXXX  XXXX XXXX, and XXXX being reported as charged off, even though the information shown is inconsistent, lacks documentation, or includes balances and dates that do not match my records. Several of these accounts were either closed or settled but are still being reported with past-due amounts and derogatory status. Additionally, multiple collection accounts from XXXX XXXX XXXX are listed without any supporting documentation or evidence of ownership transfer from the original creditors. I have disputed these before but received no valid proof or correction. I also noticed unauthorized hard inquiries from financial institutions I never applied with, such as XXXX XXXX and XXXX XXXX, dated within the last year. This ongoing inaccurate reporting is unfairly damaging my credit profile, and I am requesting a formal reinvestigation with full validation or immediate removal of the disputed items.

Company response to consumer: Closed with non-monetary relief