vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX Phone : XXXX Email : XXXX [ Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX Washington, D.C. XXXX Subject : Complaint Regarding Inaccurate Credit Reporting under 15 U.S.C. 1681e ( b ) Dear Sir or Madam, I am writing to formally file a complaint regarding inaccuracies on my credit report. I believe my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), have been violated, as the information being reported is incomplete, inaccurate, and unverifiable.

Under 15 U.S.C. 1681e ( b ), the FCRA mandates that credit reporting agencies ensure the accuracy and completeness of information they report. Unfortunately, I have found the following inaccuracies and discrepancies on my credit report, which I have attached to this letter for your review : Hard Inquiries : [ List of inaccurate hard inquiries ] Inaccurate Addresses : [ List of addresses that should be removed, e.g., XXXX XXXX XXXX XXXX XXXXXXXX, IN XXXX ] Accounts : [ List of incorrect account information, including opened, closed, or status-related discrepancies ] I request that the Consumer Financial Protection Bureau ( CFPB ) review these errors and take appropriate action to ensure that the credit reporting agencies comply with the FCRA 's requirements. 

Additionally, I would appreciate your assistance in ensuring that these inaccuracies are corrected in my credit report and that I receive a notification confirming the amendments once they are made. 

Enclosed with this letter are the following supporting documents : A copy of my credit report highlighting the inaccuracies Any related correspondence or evidence supporting my claim I appreciate your prompt attention to this matter. Please feel free to contact me if you need additional information or documentation. 

Thank you for your time and assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: OH

Complaint narrative:
I am submitting this complaint because inaccurate personal information is being reported on my consumer credit file, which is causing harm to my financial reputation and violating my rights under the Fair Credit Reporting Act ( FCRA ). 

Correct Information : Full Name : XXXX XXXX XXXX Correct Address : XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX Inaccurate Information Being Reported : Incorrect Address : XXXX XXXX, XXXX XXXX, OH XXXX Timeline of XXXX  : On reviewing my credit report from [ insert bureau : Experian, Equifax, or TransUnion ], I discovered that an incorrect address " XXXX XXXX, XXXX XXXX, OH XXXX '' is listed as a current or past residence. I have never lived at this address. My correct and verifiable current address is XXXX XXXX XXXX XXXX, XXXX XXXX, OH XXXX, I have already submitted disputes to the relevant credit bureau ( s ) and included copies of my driver 's license and a recent utility bill as proof of my correct address. However, the incorrect address remains on my file, in apparent violation of my rights under 15 U.S.C. 1681i ( a ) and 1681e ( b ), which require credit reporting agencies to ensure maximum possible accuracy of information.

Personal Impact : This error may cause confusion during identity verification processes, especially when applying for credit, insurance, or employment. It also increases my risk of identity theft or misattribution of someone else 's negative account history to my file.

Requested Action : I request that the CFPB direct the relevant credit reporting bureau ( s ) to : Permanently remove the incorrect address " XXXX XXXX, XXXX XXXX, OH XXXX '' from my credit file ; Confirm in writing that the correction has been made and reflected across all affiliated data users ; Investigate the source of the erroneous address and ensure proper procedures are followed under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ). 

I am attaching a copy of my government-issued ID and a recent utility bill to confirm my correct personal information. Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: OH

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-06-04 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: OH

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
Im writing to formally dispute a credit inquiry listed on my report that I did not authorize. After reviewing my credit file, I noticed a hard inquiry on my account without my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
This is a formal request for the removal of fraudulent accounts that appeared after a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ( a ) ), 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 XXXX XXXX XXXX XXXX FL XXXX Please delete and block the following accounts from my credit report Accounts Inquiries XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXXXXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX XXXX 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 2025-06-04 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: OH

Complaint narrative:
I have confirmed that my payment was made always made within the agreed payment terms outlined in our contract. I have attached copies of the payment confirmation and transaction details for your reference. The imposition of this charge is not only incorrect but also a violation of our agreement.

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 2025-06-04 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: SC

Complaint narrative:
I am notifying you that fraudulent accounts have appeared on my credit report following a data breach. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C.

1681c-2 ( a ) ), I demand their 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 XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX Please delete and block the following accounts from my credit report Accounts XXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$1800.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4400.00} Inquiries DEPT OF ED 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 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Information belongs to someone else
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Formal Dispute of Charge-Off Request for Validation and Securitization Disclosure Dear XXXX Dispute Department, I am writing to formally dispute a charge-off reported on my credit report under the account number XXXX. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., I have the right to dispute information on my credit report that I believe to be inaccurate or incomplete. I am requesting that XXXX provide full validation of the debt, including documentation that supports the charge-off entry and proof that your institution still retains legal ownership of this account. 

Specifically, I request the following : Documentation of securitization, if applicable. If this account has been sold, pooled, or transferred to a trust or third party ( e.g., via securitization ), please provide : The name and contact of the trust or entity that currently owns the debt. 
The date of transfer or sale. 
The chain of title and supporting documents, such as a pooling and servicing agreement ( XXXX ). 

A complete accounting history showing how the alleged balance was calculated, including all charges, interest, and fees. 

A copy of the original agreement bearing my signature that authorizes the terms of the alleged debt. 

It is my understanding that once a debt is securitized and sold, the original creditor may no longer hold the legal standing to report or collect on it as an account receivable. Therefore, unless XXXX can demonstrate that it still owns the debt and has the right to report it, I respectfully request that you remove the charge-off notation from my credit file with all major credit reporting agencies ( XXXX XXXX, and XXXX XXXX. 
Please respond to this request within XXXX  days, in accordance with the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), if applicable. If no sufficient validation or documentation is provided, I will consider this account to be invalid and request the removal of the charge-off record from my credit reports. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: MD

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Date : XX/XX/year> Consumer Financial Protection XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Subject : Formal Complaint Regarding Fraudulent Accounts & Failure to Validate Debt Dear CFPB, I am writing to formally file a complaint regarding multiple fraudulent accounts appearing on my credit reports with XXXX XXXX and XXXX. Despite my written requests for debt validation and demands to block/remove these accounts, the creditors and credit bureaus have failed to comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Fraudulent Accounts in Question : Regional Acceptance Account # XXXX XXXX XXXX Account # XXXX XXXX XXXXXXXX Bank Account # XXXX XXXX XXXX XXXX Account # XXXX Actions Taken So Far : Sent certified debt validation letters to each creditor ( copies attached ). 

Disputed the accounts with all XXXX credit bureaus, demanding removal pending validation. 

Requested that the credit bureaus block these fraudulent accounts under FCRA XXXX, as they are a result of identity theft. 

Violations Noted : Failure to Validate Debt Creditors have not provided signed contracts, account statements, or proof of legal ownership. 

Failure to Block Fraudulent Information Credit bureaus continue reporting these accounts despite disputes and lack of validation. 

Defamation of Credit Character These fraudulent entries harm my creditworthiness unjustly. 

Request for CFPB Intervention : I urge the CFPB to : Investigate the creditors and credit bureaus for non-compliance. 

Require immediate deletion of these fraudulent accounts. 

Ensure proper fraud-blocking per FCRA XXXX. 

Provide confirmation of corrective action. 



Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my own credit report. These remarks have been detrimental to my life and credit health.

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 2025-06-04 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: GA

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/ information reporting to my own credit report. These remarks have been detrimental to my life and credit health.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: SC

Complaint narrative:
Im writing to inform you that Ive fallen victim to a data breach, and fraudulent accounts have been added to my credit file. Under 15 U.S.C. 1681c-2 ( a ), I request that you block and remove the following accounts from my report within 4 days : Please delete and block the following accounts from my credit report Accounts XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} Inquiries XXXX XXXX XXXX  Date XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX  XXXX Date : XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX 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 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Atlanticus Services Corporation
State: KS

Complaint narrative:
I closed my Fortiva credit card in XXXX. XXXX or XX/XX/XXXX .because they were going to charge. A new anual fee of XXXX in a new year plus a. monthly maintenance fee of XXXX. Last years fee was XXXX. And no maintance fees.. i called them after receiving a letter by mail. So I said Said to close my account. So they did. Then in the last of XXXX. They charged me the old anual fee of XXXX then a monthly maintance fee of XXXX. The acount had been closed. It caused the acount to be overlimit. And payment doubled. Plus no warning on this 3 months later anual fee. Its caused me you be late. Cause I didn't have enough money for new bill. i asked. For fee back 2 diferent times they said no we cant. I had got the card paid back in them 3 months. And then they decided to charge me them fees on my closed account. So its erased. Any pay down I made. I belive it was purposeful I went my acount repaid them fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
On XX/XX/XXXX, I paid my final XXXX bill of {$1000.00} via XXXX XXXX ( receipt attached ). XXXX issued a revised final bill showing a {$0.00} balance and thanked me for the payment. 

About a year later, a collections account for this same debt appeared on my credit report. I disputed it, and it was removed. It reappeared again ~612 months later and was again removed after a second dispute. 

Most recently, it showed up again on my XXXX report in XX/XX/XXXX, despite the debt having been resolved since XXXX. This repetitive re-reporting of a fully paid debt is damaging my credit and violating the FCRA. 

Ive requested an explanation from XXXX, but I never received one. This debt has already been paid, closed, and verified multiple times. I am requesting the CFPB to intervene and have this account permanently deleted from all credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: NC

Complaint narrative:
XXXX XXXX Date : XX/XX/year> CREDENCE RESOURCE MANAGEMENT XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX Re : Urgent Dispute of Account # XXXX under 15 U.S.C. 1692g ( b ) To Whom It May Concern, I am formally disputing the validity of the alleged debt listed under account number XXXX in the amount of {$350.00}, which has been reported by your company, CREDENCE RESOURCE MANAGEMENT, to the credit bureaus. 
This is not my account. I do not owe this debt and demand that you immediately cease all collection efforts and remove this account from any and all credit bureau reporting. 
Pursuant to 15 U.S.C. 1692g ( b ) of the Fair Debt Collection Practices Act ( FDCPA ), you are required to cease collection of this debt until you have provided adequate validation of the alleged debt, including : 1. The name and address of the original creditor, 2. A complete itemized breakdown of the amount claimed, and 3. Proof that I am legally obligated to pay this debt. 
If you are unable to provide proper validation, you must delete this account from all consumer reporting agencies immediately. Be advised that continued reporting of unverified and inaccurate information to the credit bureaus is a direct violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ). I reserve the right to pursue all legal remedies available to me. 
This letter serves as your official notice. You are now on notice that this debt is disputed. I demand that you investigate this matter and provide proper validation within 30 days of receipt. Failure to comply will result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

This is an urgent matter. Please provide written confirmation that this account has been deleted from my credit reports and that no further collection actions will be taken. 
Sincerely, [ Your Name ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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:
In XX/XX/XXXX, I discovered that my credit report includes XXXX account and several inquiries that I never authorized. None of this information belongs to me. This fraudulent activity has caused me significant distress, and I feel completely overwhelmed by the situation. The fraudulent account includes XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Additionally, there are several unauthorized inquiries on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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