vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Bull City Financial Solutions, Inc
State: DC

Complaint narrative:
submitted a written request for full debt validation to Bull City Financial Solutions after they reported a collection account for {$660.00} from XXXX XXXX on my credit report. I also filed a CFPB complaint. On XX/XX/year>, they responded with a generic letter that did not include any proper documentation required under the Fair Debt Collection Practices Act ( FDCPA ). 

Specifically, they failed to provide : A copy of any signed agreement or contract from XXXX XXXX A full itemized breakdown of the alleged charges Proof that Bull City Financial Solutions is legally authorized to collect this debt Their letter also admits the alleged debt is time-barred and that I can not be sued, which further supports my dispute. I have not acknowledged or agreed to the debt and have not made any payment. Their response does not meet federal validation standards and is not sufficient to continue reporting this debt to credit reporting agencies. 

I am requesting the CFPB to ensure that Bull City Financial Solutions either provides full legal validation or immediately ceases collection activity and deletes this account from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

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 2025-07-13 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: CA

Complaint narrative:
I am writing to file a formal complaint against TransUnion for their failure to properly investigate and resolve a dispute concerning inaccurate and legally disputable information on my credit report. Despite providing comprehensive legal documentation that substantiates my claim, TransUnion has repeatedly refused to remove the disputed account. 

The issue pertains to file number XXXX. I have previously submitted a legally binding agreement signed by myself, the creditor, and the creditor 's attorney, which stipulates that as long as I complied with specific conditions, the account would not be reported or have a balance reported to any credit bureau. I have fully adhered to the terms of this agreement ; however, the creditor has failed to uphold their end of the agreement by continuing to report the account. 

I have disputed this information multiple times, both online and via mail, attaching copies of the signed legal agreement as evidence. However, TransUnion 's response indicated that the account is accurate, completely disregarding the crux of my dispute, which is not about the accuracy of the balance but about the breach of a legal agreement. This response suggests that TransUnion has not conducted a thorough or impartial review of the documentation provided. 

I am deeply dissatisfied with TransUnion 's refusal to address this matter appropriately. It is my understanding that TransUnion has a responsibility to consider legal agreements between creditors and account holders when evaluating disputes. Their failure to do so in this instance is a clear violation of my rights as a consumer. 

I request that the CFPB conduct a thorough investigation into TransUnion 's handling of my dispute and ensure that they comply with their legal obligations by removing the disputed account from my credit report. I look forward to your prompt attention to this matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
Formal Request for Removal of Negative Items and Hard Inquiries under 15 U.S.C. 1692 ( c ) To Whom It May Concern : I am writing to formally dispute and request the immediate removal of certain negative items and unauthorized hard inquiries currently listed on my credit report. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 ( c ), I am exercising my right to request that these items be removed or validated.

Specifically, this section of the FDCPA outlines the consumers right to limit communications and correct information that is either inaccurate or unverifiable. In accordance with this law, I am requesting that your agency : 1.Provide full validation of each disputed negative item and hard inquiry as required by federal law.

2.Remove any item or inquiry that can not be verified with original documentation directly from the creditor or furnisher.

3.Cease and desist from reporting any unverifiable or inaccurate information moving forward.

Please note that any negative item or inquiry that can not be properly validated within 30 days must be removed from my credit file immediately, as required under the Fair Credit Reporting Act ( FCRA ) and the FDCPA.

Please respond to this request in writing and confirm whether these items have been removed or what documentation you are relying on to continue reporting them. I am also requesting that all future communication be conducted via mail to maintain a clear record of correspondence.

Failure to respond to this notice or verify these accounts in accordance with federal law will be interpreted as your inability to validate the disputed items and will result in a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and possibly civil action.

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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: DISCOVER BANK
State: WI

Complaint narrative:
b'I am filing this formal complaint because XXXX, DISCOVER, and XXXX XXXX  continue to report derogatory charge-off statuses and balances on my credit profile, despite these accounts being included in and discharged through XXXX XXXX Bankruptcy in XXXX XXXX.\n\nThe accounts involved are as follows:\n\n\n\n1. XXXX  Auto Loan\n\t\tPartial Account #: XXXX\n\t\tAddress: XXXX XXXX XXXX XXXX XXXX VA XXXX\n\t\tOpened: XXXX\n\t\tOriginal Balance: XXXXn\t\tStatus: Discharged through Bankruptcy  XXXX XXXXn\t\tReporting Issue: Account still showing balance and charge-off activity post-bankruptcy, despite disputes.\n\n\n\n2. DISCOVER CARD\n\t\tPartial Account #: XXXX XXXX XXXX\n\t\tAddress: XXXX XXXX XXXX XXXX XXXX XXXX UT XXXXOpened: XXXXOriginal Balance: $XXXXStatus: Discharged through Bankruptcy XXXX XXXXReporting Issue: Continuing to report without verification, ignoring certified dispute requests.\n\n\n\n3. XXXX XXXX XXXX\n\t\tPartial Account #: XXXX XXXX XXXX XXXX XXXX XXXX XXXX DE XXXX\n\t\tOpened: XXXX\n\t\tOriginal Balance: $XXXX\n\t\tStatus: Discharged through Bankruptcy  XXXX XXXXt\tReporting Issue: High balance and charge-off notation still being reported unlawfully post-bankruptcy.\n\n\n\n Previous Attempts to Resolve:\n\nI have submitted multiple written disputes and legal notices via certified mail to the credit reporting agencies and these creditors. These efforts included:\n\t\tA formal complaint filed with the Federal Trade Commission (FTC Report #XXXX)\n\t\tAn active investigation and complaint submitted to the Consumer Financial Protection Bureau (CFPB Complaint ID #XXXX)\n\nAs of today, over 10 business days have passed with no verified investigation results, no deletions, and no proof of legal reporting authority on these accounts.\n\n\n\n Violations of Federal Law:\n\nThese companies are in direct violation of multiple consumer protection laws:\n\t\tFCRA  611 (15 U.S.C.  1681i)  Failure to investigate or remove inaccurate info within the allowed timeframe\n\t\tFCRA  623(a)(1)  Furnishing inaccurate or unverifiable information after notice\n\t\tFCRA  602(a)  Right to fair, accurate, and privacy-protected reporting\n\t\tFCRA  605(a)  Limits on how long derogatory info can remain\n\t\tFDCPA  809 (15 U.S.C.  1692g)  Failure to validate debts upon dispute\n\t\tFCRA  611(a)(5)(A)  Unverified data must be deleted\n\nThese accounts are harming my credit profile even after legal discharge, and my dispute rights are being ignored.\n\n\n\n Relief Requested:\n\t1.\tImmediate deletion of all three accounts from my credit file at XXXX, XXXX, XXXX, and XXXX\n\t2.\tCopies of all investigation results and verification documents\n\t3.\tEnforcement of penalties for non-compliance with FCRA and FDCPA laws'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: American Accounts & Advisers, Inc.
State: CO

Complaint narrative:
I am disputing a debt reported by American Accounts Advisors that appeared on my XXXX  credit report. I was never notified of this debt in writing as required by law ; I only learned about it when I saw it on my credit report in XX/XX/year>. 

This violates the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g ( a ), which requires that a debt collector send a written notice within five days of their first communication. I never received this notice. 

On XX/XX/year>, I sent a formal debt validation request via XXXX Certified Mail. It was received and signed for on XX/XX/year>, yet I have not received any response or validation documents as of today ( XX/XX/year> ). Despite this, they continue to report the debt to XXXX  without verification. The letter requested full validation of the alleged debt and included a demand to cease collection activities, including credit reporting, until validation was provided. 

I also submitted a formal dispute to XXXX  on XX/XX/year>, which remains unresolved. 

I am attaching the full debt validation letter, signed XXXX return receipt, and XXXX  dispute letter. American Accounts Advisors failure to issue a timely notice, respond to my written dispute, or cease reporting activity during the validation period constitutes multiple violations of the FDCPA. I am requesting that the CFPB investigate this matter and that the debt be removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: VA

Complaint narrative:
In XXXX  I found an additional XXXX XXXX  reported on my credit report so since I found while looking at information on my XXXX XXXX account I file. Complaint with them & I was told I had to file with the Credit Bureau. So I file a dispute with Tran union they held an investigation & later told the creditor XXXX XXXX said the information was correct. So I needed to contact them. So when I contacted I was told that I need the name of the person on the card there address which I no longer have. When I file my dispute with Tran union all that information was on my credit report. Now only open date of the account number of transactions & payment history. I remember his first name XXXX & he lives in Utah the account was opened XX/XX/year> credit limit XXXX highest balance XXXX the account is still open. I dont know this person I didnt sign for this card I have my own XXXX XXXX that I havent ever us. I dont understand how XXXX can just put someone elses information on my credit report & I cant have it removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Experian / Equifax / TransUnion [ Credit Bureau Address ] Re : Immediate Deletion Request for Unlawful Child Support Reporting ( Account # XXXX ) To Whom It May Concern, I am disputing the inclusion of a child support account ( Account # XXXX ) on my credit report, as this reporting violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

XXXX. No Consumer Credit Transaction : Child support obligations do not originate from a consumer credit transaction. According to XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), there is no private right to child support as a consumer debt. Reporting this as a credit tradeline is fundamentally misleading and outside the scope of the FCRA. 

XXXX. No Direct Written Consent / Permissible Purpose : Under 15 U.S.C. 1681b and 605b, you must have a permissible purpose and my direct written consent to report any information on my credit report. I have never provided written authorization or consent for the reporting of this child support account. Reporting this debt without my explicit consent is a clear violation of permissible purpose under federal law. 

XXXX. Misrepresentation of Furnisher : It is misleading and potentially fraudulent to list the child support court as the furnisher if the court did not directly report this account. The FCRA ( 15 U.S.C. 1681e ( b ) ) requires maximum possible accuracy. Listing inaccurate or unverified informationor claiming a court as the source when it was notviolates this standard. 

XXXX. Section 609/ Verification Rights : Pursuant to 15 U.S.C. 1681g ( Section 609 ), I am requesting all documentation and information you used to verify and report this account, including the name and contact information of the original furnisher and any documents containing my original signature or authorization. 

Action Demanded : Immediate and permanent deletion of the child support account from my credit report for lack of permissible purpose, lack of direct written consent, and lack of accurate verification. 

Written confirmation that this item has been removed. 

Copies of all documentation you have on this account, as required under Section 609. 

If you can not provide documented proof of my direct written authorization for this reporting, you must immediately delete this account in accordance with federal law. Failure to comply will result in an immediate complaint to the CFPB and further legal action. 

Please respond in writing within 4 business days of receipt.

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 2025-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Experian / Equifax / TransUnion [ Credit Bureau Address ] Re : Immediate Deletion Request for Unlawful Child Support Reporting ( Account # XXXX ) To Whom It May Concern, I am disputing the inclusion of a child support account ( Account # XXXX ) on my credit report, as this reporting violates multiple provisions of the Fair Credit Reporting Act ( FCRA ). 

XXXX. No Consumer Credit Transaction : Child support obligations do not originate from a consumer credit transaction. According to XXXX XXXX XXXX ( XXXX XXXX XXXX, XXXXXXXX XXXX XXXXXXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), there is no private right to child support as a consumer debt. Reporting this as a credit tradeline is fundamentally misleading and outside the scope of the FCRA. 

XXXX. No Direct Written Consent / Permissible Purpose : Under 15 U.S.C. 1681b and 605b, you must have a permissible purpose and my direct written consent to report any information on my credit report. I have never provided written authorization or consent for the reporting of this child support account. Reporting this debt without my explicit consent is a clear violation of permissible purpose under federal law. 

XXXX. Misrepresentation of Furnisher : It is misleading and potentially fraudulent to list the child support court as the furnisher if the court did not directly report this account. The FCRA ( 15 U.S.C. 1681e ( b ) ) requires maximum possible accuracy. Listing inaccurate or unverified informationor claiming a court as the source when it was notviolates this standard. 

XXXX. Section 609/ Verification Rights : Pursuant to 15 U.S.C. 1681g ( Section 609 ), I am requesting all documentation and information you used to verify and report this account, including the name and contact information of the original furnisher and any documents containing my original signature or authorization. 

Action Demanded : Immediate and permanent deletion of the child support account from my credit report for lack of permissible purpose, lack of direct written consent, and lack of accurate verification. 

Written confirmation that this item has been removed. 

Copies of all documentation you have on this account, as required under Section 609. 

If you can not provide documented proof of my direct written authorization for this reporting, you must immediately delete this account in accordance with federal law. Failure to comply will result in an immediate complaint to the CFPB and further legal action. 

Please respond in writing within 4 business days of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-13 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: TX

Complaint narrative:
This is a follow-up to my FTC Identity Theft Report ( XXXX ). My identity was stolen and used to fraudulently open a XXXX XXXX account ending in XXXX. Equifax initially blocked and deleted the account but unlawfully reinserted it on XX/XX/year> without providing written notice, violating FCRA 605B ( d ). I submitted a new dispute with supporting documentation and formally requested procedural reinvestigation details under FCRA 611 ( a ) ( 7 ), which Equifax has failed to provide. 

Equifax acknowledged XXXX XXXX verified the account as fraud but continues reporting it. This violates FCRA 605B ( c ), 605B ( d ), 611 ( a ) ( 7 ), and 1681e ( b ). I request permanent deletion and enforcement action for noncompliance. 

Additionally, XXXX unauthorized hard inquiries appear on my report : XXXX XXXX XX/XX/year> XXXX XXXX XX/XX/year>XXXX XXXX  XXXX XX/XX/year> These inquiries were not authorized by me and were made in connection with fraudulent activity. I request their immediate removal under FCRA 604 ( a ) ( 2 ) and 1681b.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-13 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, Fl, XXXX XXXX XXXX XX/XX/XXXX To Whom It May Concern : Subject : Formal Dispute of Fraudulent Accounts & Request for Immediate Deletion Due to XXXX Equifax Data Breach I am writing to formally dispute multiple fraudulent and inaccurate accounts that have been reported on my credit report. These accounts are not mine and are directly connected to the XXXX Equifax data breach, during which my personally identifiable information ( PII ) was compromised. I am also filing this complaint with the Consumer Financial Protection Bureau ( CFPB ) due to the severity of the issue and your legal obligations under federal law. 



These fraudulent accounts are listed in a sworn complaint I have filed with the Federal Trade Commission ( FTC ), and I am demanding that all such accounts be removed from my credit file within four ( 4 ) business days from the date of your receipt of this letter, as they are the result of identity theft and unauthorized use of my personal information.

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., you are legally required to ensure that all information furnished in consumer reports is accurate and verifiable. Specifically : 15 U.S.C. 1681i ( a ) ( 5 ) requires that unverifiable or inaccurate items be promptly deleted from a consumers file.

15 U.S.C. 1681c-2 also allows a consumer to request the blocking of information resulting from identity theft. 
As ruled in XXXX XXXX Trans Union XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), credit reporting agencies have a duty to conduct a reasonable reinvestigation and XXXX be held liable for failing to do so. 
In XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ), the court held that CRAs can be held accountable under the FCRA for willfully failing to correct or remove inaccurate information. 




I am invoking my rights under the FCRA and the Fair Debt Collection Practices Act ( FDCPA ), and I demand the immediate deletion of the following inaccurate accounts, which are directly associated with the aforementioned breach and identity theft : Attached to this letter are the following documents for your review : Copy of my government-issued photo ID Proof of data breach Copy of the FTC Identity Theft Report 605b Letter If you fail to remove the inaccurate information from my credit file within four ( 4 ) business days as requested, I will be forced to escalate this matter through legal channels, including filing a complaint with the CFPB, the FTC, and my state attorney general. I also reserve the right to pursue a civil action for damages pursuant to 15 U.S.C. 1681n and 1681o.

This letter serves as formal notice. Govern yourselves accordingly.

Sincerely, [ Your Full Name ]

Company response to consumer: Closed with explanation