vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Stone Higgs & Drexler
State: TN

Complaint narrative:
On XX/XX/XXXX a judgement of garnishment was filed and presented to my employer. I contacted the company to find out what the debt was for but they did not have any details other than the name XXXX XXXX. 

I submitted a letter ( attached ) that they received on XX/XX/XXXX requesting them to validate the debt and all attempts to collect be ceased for 30 days, as well as once I receive the reply I am allotted 30 days to verify the debt without collection efforts. 
To ensure the garnishment wouldn't go through I filed a Slow pay with the courts on XX/XX/XXXX to pay XXXX XXXX  monthly which would allow me time to validate the debt ( attached ). 

I received a reply in the mail on XX/XX/XXXX ( attached ) which included court dockets ranging from XXXX with the name XXXX financials and an attorney XXXX XXXX listed. None of those documents provided the original creditor, nor date of debt, or account #, nor address, nor the date the debt became collectable, nor any indication of what the debt is nor account information. 

Also another garnishment was efiled on XX/XX/XXXX which violates the 30 day time frame I have to verify the information they submitted to me. 

Upon investigation, i found out XXXX recievables is NOT the original debt or account, XXXX recievables is a collection agency that the debt could have been sold to, but can not provide any information in regards to the original account or alleged debt. 

On XX/XX/XXXX I went to the court clerk to file another slow pay while in the process of disputing the alleged debt but it was denied and a court date is set for XX/XX/XXXX. 


My complaint is I was never notified of the debt there have been no collection attempts, the debt is not valid because it can not be validated. I have never heard of XXXX XXXX nor have any information on the account or debt amount. As well as they violated the 30 day timeframe to continue collection efforts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-29 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:
Please be advised that my credit report has been compromised due to a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting the blocking and removal of fraudulent accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year>

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 2025-05-29 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:
Please be advised that my credit report has been compromised due to a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), I am requesting the blocking and removal of fraudulent accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX Date : XX/XX/year> XXXX XXXX  Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: RI

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 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 2025-05-29 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:
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 XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: CA

Complaint narrative:
Im formally requesting that you certify that every piece of data tied to this account truly and fully belongs to me. That means full verification not assumptions, not partial matches, but complete accuracy down to every detail.

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 2025-05-29 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: MD

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally XXXX  down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-05-29 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: MD

Complaint narrative:
In XX/XX/XXXX, I submitted a formal dispute regarding a XXXX XXXX account being reported as a charge-off across all three credit bureaus : Equifax, Experian, and TransUnion. This account is not mine. I never opened or used this credit card. I submitted an FTC Identity Theft Report along with a detailed dispute letter demanding validation, including a signed credit application, account statements, and proof that I consented to or benefited from this account. I received no proper validation from XXXX XXXX or the credit bureaus. 

This account continues to be reported with multiple inaccuracies and inconsistencies between bureaus, including : Different credit limits : {$0.00} on Equifax, {$3100.00} on TransUnion and Experian Different high balances : {$3900.00} on Equifax and TransUnion, {$0.00} on Experian Different open dates : XX/XX/XXXX ( EQ/EX ) vs. XX/XX/XXXX ( TU ) Different status comments : " Charged off by XXXX '' ( XXXX ), " Closed due to inactivity '' ( EX ), " Charged off as bad debt '' ( XXXX ) Past due 90 days reporting : XXXX ( EQ ), XXXX ( EX ), XXXX ( TU ) Last activity/payment dates do not match These inconsistencies violate the Fair Credit Reporting Act 1681e ( b ), which requires furnishers and credit bureaus to report information with maximum possible accuracy. They also violate 1681i, which requires a timely and reasonable investigation of disputed information. To date, no such investigation or proper response has occurred. 

I am a confirmed victim of identity theft. My information was compromised in the XXXX Equifax data breach, and I believe this XXXX XXXX account may have been fraudulently opened using my stolen personal data. I never received or used this account, and no documentation proving otherwise has been provided. 

I have attached my : FTC Identity Theft Report Formal dispute letter Copy of the XXXX XXXX charge-off as reported Proof of Equifaxs data breach exposure Reporting this account without proper validation is harming my credit, finances, and causing emotional distress. XXXX XXXX and the credit bureaus have failed to comply with the FCRA, failed to provide proof, and continue to report unverifiable information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: AZ

Complaint narrative:
I am a victim of a recent data breach, and I have discovered fraudulent accounts on my credit profile. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), kindly block and delete them within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX AZ XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX  Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXXXXXX XXXX : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX Date : XXXX XXXX XXXX  Date : XXXX XXXX XXXX XXXX XXXX Date : 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 2025-05-29 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: FL

Complaint narrative:
Please refer to the attached document titled XXXX for a complete summary of all violations, evidence, and statutory references supporting this complaint. 
This document outlines Equifaxs repeated failure to comply with the Fair Credit Reporting Act ( FCRA ) in response to my disputes submitted from XXXX through XX/XX/2025. Despite full identity verification, certified mail delivery, and multiple supplements with new material evidence, Equifax repeatedly verified inaccurate tradelines, refused to provide the Method of Verification ( MOV ), and falsely claimed they could not locate my filewhile continuing to update it. 
I disputed multiple charge-off and collection accounts ( including XXXX  XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX XXXX, and others ) due to outdated XXXX, unverifiable balances, illegal re-aging, and discrepancies across CRAs. Equifax ignored these disputes or issued vague verified responses without explanation or substantiation. 

By submitting this complaint, I am formally adding another documented instance of Equifaxs willful non-compliance to the regulatory recordintended not only for CFPB enforcement, but also to support potential future legal escalation if corrective action is not taken. 

All violations are detailed in the attached PDF, with citations to FCRA 1681i ( a ), 1681i ( a ) ( 5 ) ( A ), 1681e ( b ), 611 ( a ) ( 7 ), and 605 ( c ). The facts show a pattern of obstruction, misrepresentation, and refusal to conduct lawful reinvestigations. 

Respectfully submitted, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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: GA

Complaint narrative:
Please be advised that due to a data breach, fraudulent accounts now appear under my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX  Date : XX/XX/year>

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 2025-05-29 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:
This is my fourth request for details of the procedure you followed when investigating.I sent you a several request for these accounts that I found fraudulent, but you didn\'t look into them all. You know, I researched the legislation and my consumer rights, and the Fair Credit Reporting Act states that a consumer has the right to ask for an explanation of the process used to determine the accuracy and completeness of disputed information. Additionally, it specifies that the credit bureau must respond to the consumer\ 's request for a report of such investigations within 15 days. Where is it? 
XXXX  XXXX - XXXX XXXX XXXX  - XXXX 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 explanation
Consumer complaint received 2025-05-29 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: TN

Complaint narrative:
On XX/XX/year>, XX/XX/year>, I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60 days later, I have not received a response yet. 
I feel like Im being taken advantage of and being ignored for my disputes.

Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person.

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 2025-05-29 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other XXXX XXXX dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXX XXXX  Balance : {$0.00} Open Date XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX {$3500.00} Open Date XX/XX/XXXX XXXX XXXX  XXXX : {$2600.00} Open Date XX/XX/XXXX XXXX XXXX Balance : {$640.00} Open Date XX/XX/XXXX Inquiries : XXXXXXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXX XXXX  Date XX/XX/XXXX XXXX XXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXX Date XX/XX/XXXX XXXX  Date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXX XXXX XXXXXXXX Date XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Date XX/XX/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 2025-05-29 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: WI

Complaint narrative:
Subject : Cease and Desist Demand for Failure to Properly Investigate Credit Dispute To Whom It May Concern : This letter is to formally notify you that your agency has failed to comply with your legal obligation to properly investigate and respond to my prior dispute ( s ) regarding inaccurate and/or unverifiable information reported on my credit file, in violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i and 15 U.S. Code 1681e ( b ).

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), upon receiving a consumer dispute, you are required to conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate. Furthermore, 1681i ( a ) ( 2 ) mandates that you promptly notify the furnisher of the disputed item and provide all relevant information regarding the dispute that you received from me.

Additionally, 15 U.S.C. 1681e ( b ) requires you to maintain reasonable procedures to ensure maximum possible accuracy of the information contained in consumer reports. By continuing to report information that is inaccurate, unverifiable, or improperly investigated, you are willfully and negligently violating these federal statutes.

Despite my prior dispute ( s ), you have : Failed to properly reinvestigate the disputed account ( s ) ; Reinserted or maintained unverifiable or inaccurate data; Failed to delete the inaccurate information within the 30-day window ; Provided no documentation validating the disputed items. 



Therefore, this letter serves as a formal cease and desist demanding that you : 1. Immediately cease reporting any inaccurate, unverifiable, or previously disputed information ; 2. Conduct a proper reinvestigation as mandated by law ; 3. Provide me with documentation verifying the source and accuracy of the disputed information ; 4. Remove all unverifiable or incorrect data from my credit report permanently ; 5. Refrain from further violations of the FCRA or I will be forced to seek legal remedy, including statutory damages, actual damages, and punitive damages as allowed under 15 U.S.C. 1681n and 1681o.

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 2025-05-29 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:
Please be advised that due to a data breach, fraudulent accounts now appear under my credit file. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these accounts within 4 days : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$190.00} Inquiries XXXX XXXX XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-29 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 dont agree with the account listed below which appears on my credit report, even after your investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 

Furthermore, in accordance with The Fair Credit Reporting Act, public law 91-506, Title VI, section 611, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that i may follow up. 
Please forward me an updated credit report after you have completed your investigation and corrections. Your cooperation and prompt attention are greatly appreciated. 
Account Name - XXXX XXXX  XXXX Account Number : 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