vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : 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
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Law Offices of Timothy M. Sullivan
State: LA

Complaint narrative:
I acquired these XXXX XXXX accounts in Colorado but they are suing me in Louisiana ( where I currently live ). Have received several emails to date with the statement that the debt was outside of the statute of limitations so they could not sue me but I received a letter ( notice of suit ) but have not been properly served. The amount they are suing me for is not accurate. Hs financial sent emails showing a balance owed of XXXX ( credit card ) last XXXX of the account XXXX and the other balance is XXXX last of account is XXXX ( personal line of credit ). The court document lists only XXXX account ( XXXX balance XXXX ) that does not match the account numbers provided by the debt collectors email correspondences that were sent to me. There were deceptive emails regarding the email communications from the debt collector regarding the statute of limitations barred them from suing me and the balances and account numbers do not match the court documents. I sent emails to the law firm that was representing them requesting debt validation but I did not receive any and when I called I was threatened by them to be sued. The last payments were made on XX/XX/year> and XX/XX/year>.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: MS

Complaint narrative:
I never opened this account, and it appears on my report in error.

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 2025-10-16 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: AL

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ACIMA CREDIT, LLC
State: TN

Complaint narrative:
I received a letter dated XX/XX/XXXX, from XXXX XXXX XXXX regarding an alleged Acima/XXXXXXXX XXXX XXXX account. After speaking with a representative ( XXXX XXXX ), I reconsidered and disputed the debt. Since then, XXXX XXXX XXXX has contacted my family members about this account. 

This violates the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S.C. 1692c ( b ), which prohibits communication with third parties about a debt, and 1692g, which requires debt validation.

I demanded validation and ordered all contact to cease except by email, but they continued to contact third parties. I am requesting CFPB intervention to stop unlawful third-party contact, ensure full validation before further collection, and correct or delete any credit reporting related to this account. 

Supporting case law includes 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 



Requested Resolution : Require XXXX XXXX XXXX to cease all third-party contact, validate the alleged debt in writing, and remove any inaccurate or unvalidated credit reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NY

Complaint narrative:
Dear Experian I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : 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 FRAUDULENT INQUIRIES 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
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am reaching out regarding an unresolved issue with TransUnion related to a collection account that I believe is being reported inaccurately and unfairly. 

While I was in the process of selling my home and relocating back to Texas, a final bill from XXXX XXXX XXXX was issued. Historically, they have always contacted me by mail, but since I had already moved, I did not receive the notice in a timely manner. By the time my mail was forwarded to my new address and I became aware of the balance, the account had already been sent to collections. 

I contacted the collection agency, XXXX XXXX XXXX, and they agreed to consider the debt settled and resolved if I paid it in full, which I promptly did. Since then, all major credit bureausexcept for TransUnionhave either removed or updated the collection account appropriately. 

I have filed multiple disputes with TransUnion, but the issue remains unresolved. Most recently, TransUnion claimed they had contacted XXXX XXXX XXXX to verify the debt was paid/forgiven. However, when I personally called XXXX XXXX XXXX, they informed me that TransUnion had not reached out to them at all. I have submitted yet another dispute with TransUnion as of today. 

This situation has had a significant negative impact on my credit report with TransUnion, despite the fact that I have a strong credit history and have never missed a payment. I believe this situation is unfair given the unique circumstances and my efforts to resolve it in good faith. 

I would appreciate your assistance in investigating this matter further and helping ensure the accurate reporting of my credit information. 

Thank you for your time and attention.

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 2025-10-16 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: CA

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. INQUIRIES XXXX XXXX XXXXXX/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 2025-10-16 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-16 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: AZ

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of 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. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 2025-10-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
I am writing to formally dispute an account appearing on my credit report. Upon recently reviewing my credit report, I discovered an account in collections under the name LVNV FUNDING LLC ( Account # : XXXX ) with a reported balance of {$630.00}. I am requesting that this account be removed from my credit report as the information listed is inaccurate. I do not owe this amount, and I did not provide consent for any account to be sold to this company. I am requesting that you conduct a thorough investigation into this matter to ensure that all information is being reported accurately. If this account can not be verified or if the debt is found to be inaccurate, I request its immediate removal from my credit report. If there is any legitimate basis for this account, I request that the true status of " paid '' be reflected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under trafficking according to Trafficking-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I kindly request that you block this information from my credit report within four business days, pursuant to section 605c of the Fair Credit Reporting Act. I am a victim of XXXX XXXX of Debt Bondage and would like for all listed accounts to be blocked and deleted company information Equifax. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Reported Date : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Self Financial Inc.
State: TX

Complaint narrative:
I am filing this complaint against Self Financial , Inc. ( formerly Lead Bank ) for inaccurate reporting of a secured credit-builder account. The account is shown as Collection/Charge-Off despite being a paid-in-full, closed account No validation or payment history has been provided, and Metro-2 coding shows profit and loss write-off, which conflicts with the consumers actual payment record.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: FL

Complaint narrative:
I was affected by the XXXX, XXXX and TransUnion data breaches. As a result, my personal information was compromised and several fraudulent accounts appeared on my credit reports. Despite submitting disputes and proof of identity theft, the three bureaus have failed to properly investigate or remove the inaccurate information. 
I am requesting that these accounts be deleted, my credit reports corrected, and written confirmation provided.

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 2025-10-16 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: MS

Complaint narrative:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: MA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX To : Consumer Financial Protection Bureau ( CFPB ) CFPB Address or submit via portal Subject : Equifax Data Breach Request to Block or Remove Unverified Information Dear CFPB, My name is XXXX XXXX, and I am a victim of the Equifax data breach. I am contacting you because I noticed information on my credit report that I do not recognize and never authorized. 

XXXX XXXX  : account number XXXX I am unable to file a report with the FTC because the FTC reporting system is currently unavailable or shut down, so I am requesting CFPB assistance to protect my credit file. 

I am requesting the following actions : 1. Place a fraud alert on my credit file with Equifax.

2. Block or remove any unverified or inaccurate accounts resulting from the breach.

3. Provide confirmation and documentation of all actions taken.

For internal tracking, this dispute aligns with Metro 2 / eOSCAR codes : XXXX Not His/Hers ( the account is not mine ) XXXX Can not Be Verified ( furnisher can not substantiate the account ) XXXX Account Never Opened/ Not Recognized ( furnisher can not provide proof ) Please ensure that any accounts that can not be verified are deleted from my credit report immediately in accordance with FCRA 611 and 605B.

Thank you for your prompt attention to this matter. Please provide written confirmation of the results to my email : [ email ] or phone : [ phone ]. 

Sincerely, 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 2025-10-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Kriya Capital, LLC
State: TX

Complaint narrative:
This debt collector is trying to collect it debt that I do not own them I do not have any contract with them. This debt was charged off the original contractor have not sent me a 1099 form

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Debt Mediation, Inc.
State: FL

Complaint narrative:
XX/XX/year> I sent a debt validation letter to professional debt mediation for them to verify the {$1100.00} balance that XXXX claims I owe. XXXX claims I did not give them notice and tried to charge me for an additional months rent when I was owed {$750.00}. proper notice was given multiple months in advance in XXXX XXXX flip the ledger and forwarded it to a debt collector. I never received any communication from PDM. They sent letters to my parents house where I havent resided in over seven years. Under the fair credit reporting act this does not constitute as proper communication. The only way that I knew that they replied was XXXX XXXX sent me their response with the flipped ledger. XX/XX/year>XXXX  I sent professional debt mediation, XXXX  and XXXX XXXX a dispute letter for the alleged debt. Since XXXX  couldnt verify the debt, they immediately removed it off of my file, but XXXX XXXX told me I was not authorized to dispute something on my own credit report I had to then call XXXX XXXX to open up an official dispute in which I got a letter saying it was verified with no documentation on XX/XX/year>. On XX/XX/year> I called XXXX XXXX and reopened the dispute as they could not provide any physical evidence of this debt being lawful or verified. I still to this date have yet to receive any communication from PDM.

Company response to consumer: Closed with explanation