vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 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: TN

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 2025-06-03 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: TX

Complaint narrative:
I need an account that isn't mine removed from my Chexsystems with XXXX and I need inquiries removed from my check systems as well. 

This account is not mine My address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Please remove address XXXX XXXX XXXX apt XXXX XXXX, TX XXXX Please remove : 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 XXXXXX/XX/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 2025-06-03 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:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
My equipment was lost/stolen. I reach out via chat. XXXXThe employee told me that I need to file a report to avoid charges and They would cancel my account. She files the report and gave me a Ticket # XXXX. On XX/XX/XXXX I received a collection account on my credit report. I then called an employee he stated he see that my ticket was processed as lost/stolen and I was refunded. I then ask why was sent to collections and several other questions he said he connect me to a different department and then hung up. Its so difficult to call / chat because I dont have an active account. On XX/XX/XXXX So I contact XXXX XXXX via messenger. The employee also confirmed that my ticket was processed as lost/stolen and I should dispute it with tsi the collection company and XXXX recovery XXXX team. And they would fix it. I call tsi they can only take payments. And they dont report the credit bureau XXXX They cant help. I then called XXXX recovery operations. They stated they can only take payments. They cant see my ticket. She can see there was no usage on my account. There nothing they can do. I never got my equipment, I never activated my equipment and I never used the internet services I signed up for. I should not charged for services I didnt receive. Everyone refused to send me my bills which show I never used it and my ticket to confirm that my equipment was lost/stolen. Please send me my bills, my ticket XXXX and a document stating you will remove off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: MI

Complaint narrative:
I am writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. 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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Due to being a victim of a recent data breach, unauthorized accounts have appeared on my credit report. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I request immediate blocking and deletion 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX Please delete and block the following accounts from my credit report Accounts XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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:
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 ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Johnson Mark LLC
State: TX

Complaint narrative:
This is a follow up from XXXX Please review the factual occurrences from what this alleged attorney has stated in their version of occurrences. 

There have been at least ( 4 ) certified mail requests to directly XXXX XXXX  to supply requested and have not to date. Prior to this alleged attorney representing The letter is also included. This alleged attorney recently sent a letter for settlement offer valid until XX/XX/year>. 

To this alleged law firm Should I supply this letter of settlement or will you since you claim you sent validation? Also my certified letter requesting information, you have yet to respond to, that shows delivered prior to the filing of your frivolous lawsuit. So please lets stop with lying to a Federal Agency about what has really taken place.

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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and 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 2025-06-03 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: CA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. 

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
XXXX XXXX XXXX Kohn Law Firm S.C . 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, WI XXXX Consumer Information : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Summary of Complaint : On or about XX/XX/XXXX, I received a collection letter from Kohn Law Firm S.C., acting on behalf of XXXX XXXX XXXX , attempting to collect {$1400.00} for a XXXX  account ending in XXXX XXXXXXXX. They claim the debt was purchased by XXXX XXXX XXXX and are now attempting to collect under reference number XXXX. 

I formally dispute this debt under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ) and demand full validation and a halt to all collection activity until it is provided. 



Violations and Concerns : 1. Failure to Validate Debt ( FDCPA 1692g ) Neither XXXX  nor Kohn Law Firm has provided any of the legally required validation materials, including : A copy of the original signed agreement between me and the creditor. 
An itemized account breakdown from the date of origination to present. 
The Assignment Contract or Forward Flow Agreement between XXXX and XXXX XXXX XXXX. 
Proof of ownership and legal standing showing XXXX was the rightful owner at the time of Kohn Laws letter. 

This mirrors the legal precedent in XXXXXXXX XXXX XXXXXXXX and XXXX XXXX XXXX, which state that billing statements alone are not validation, and a collector must show legal assignment rights. 



2. Possible Unauthorized Collection Activity in Illinois Kohn Law Firm S.C. is based in Wisconsin, and XXXX XXXX XXXX is an out-of-state debt buyer. I demand confirmation that : Kohn Law Firm S.C. is currently licensed to collect debts in the state of Illinois. 
XXXX XXXX XXXX has an active Illinois Collection Agency License at the time of this communication.

If either entity was not licensed at the time of collection, they have no legal authority to collect in Illinois, per the Illinois Collection Agency Act ( 225 ILCS 425/ ). 



3. Deceptive or Misleading Practices Kohns letter deceptively implies the debt is valid and owed, yet no supporting documentation or legal proof was included just a balance summary. This violates FDCPA 1692e which prohibits false or misleading representations in debt collection.

Statement : This is not a refusal to pay. It is a formal dispute and request for full validation as required by law. All rights are reserved.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sezzle Inc.
State: TX

Complaint narrative:
Attached is an FTC report and my ID. Please remove fraudulent accounts listed below Sezzle ( Fraudulent account ) XXXX  ( XXXX XXXX ) inquiry not mad by me XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: RFNA, LP
State: SC

Complaint narrative:
got loan. lost income and they never worked anything out. recently updated account as recent loan. this was at least 3 years 4 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
I am a data breach victim and fraudulent accounts were added to my credit file. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within XXXX XXXXXXXX : 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 XXXX XXXX XXXX, NC XXXX XXXX delete and block the following accounts from my credit report Accounts FRMRS FURN - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/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 2025-06-03 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: NC

Complaint narrative:
I am a data breach victim and fraudulent accounts were added to my credit file. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and remove them within XXXX XXXXXXXX : 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 XXXX XXXX XXXX, NC XXXX XXXX delete and block the following accounts from my credit report Accounts FRMRS FURN - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1700.00} XXXX XXXX XXXX  - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} Inquiries XXXX  Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Thunderbird Collection Specialists, Inc.
State: AZ

Complaint narrative:
I am filing a formal complaint against Thunderbird Collections regarding a reported debt of {$11000.00}, which they claim is owed to XXXX XXXX XXXX. 

The original balance, as stated by XXXX XXXX XXXX, was {$7600.00}. However, Thunderbird Collections has increased the amount to {$11000.00} without providing any explanation or itemized documentation to support this significant increase. 

I have made several written and verbal requests directly to XXXX XXXX XXXX for invoices, lease breakdowns, or any documentation verifying the original amount of {$7600.00}. They have refused to provide any such proof or respond with supporting documentation. XXXX Collections, as a third-party agency and not the original creditor, has also failed to validate or verify the origin and legitimacy of the debt. 

This lack of documentation and transparency is a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), which require that consumers be provided with full and fair validation of any debt being collected or reported. 

Resolution Requested : I am requesting that Thunderbird Collections either : Immediately provide legitimate proof of debt with itemized documentation from the original creditor, or Remove the account from all reporting systems and cease all collection efforts if proper validation can not be provided. 

I also request a formal review of the conduct of both Thunderbird Collections and XXXX XXXX XXXX in this matter. 

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: CT

Complaint narrative:
I AM REQUESTING THE IMMEDIATE REMOVAL OF THIS INACCURATE LATE PAYMENT FROM MY ACCOUNT, AS IT DOES NOT ACCURATELY REFLECT MY TRUE PAYMENT HISTORY. I HAVE CONSISTENTLY MADE MY PAYMENTS ON TIME, AND THIS ENTRY IS A MISTAKE THAT UNFAIRLY IMPACTS MY CREDIT PROFILE. THIS ACCOUNT WAS PAID AS AGREED AND SHOULD NOT BE REPORTED NEGATIVELY. I RESPECTFULLY URGE YOU TO INVESTIGATE THIS ERROR AND UPDATE MY ACCOUNT ACCORDINGLY WITHOUT FURTHER DELAY.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: LA

Complaint narrative:
After a recent data breach, fraudulent accounts were wrongfully added to my credit report. In accordance with Section 605B of the FCRA ( 15 U.S.C. 1681c-2 ( a ) ), please block and delete these items 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 XXXXXXXX XXXX XXXX XXXX LA XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX  Date : XX/XX/XXXX EXPERIAN XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXXXXXX XXXX  Date : XX/XX/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 2025-06-03 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: LA

Complaint narrative:
THIS ENTITY IS PRACTICING BAD BUSINESS PRACTICES AND BEHAVIOR ISSUES. PRICE GOUGING CONSUMERS. 

I ASK FOR AN IMMEDIATE CEASE AND DESIST ON ACCOUNT # XXXX UNTIL THIS MATTER IS INVESTIGATED. 

Violation of My Consumer Rights!!! This is Not a request for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above-named Title and Section. I respectfully request your offices provide me with competent evidence that I have any legal obligation to pay you. If your offices are able to provide the proper documentation as requested in the following Declaration, I will require at least 30 calendar days to investigate this information, during which time all collection activity shall CEASE and DESIST. If your offices fail to respond to this validation request within 30 calendar days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file, and a copy of such deletion request shall be sent to me immediately.

15 USC 1692 ( g ) 15 USC 6801 ( n ) 15 USC 6803 16 CFR 433.2 18 USC 911 15 USC 1662 28 USC 3002-3 28 USC 3002-4 28 USC 3002-10

Company response to consumer: Closed with explanation