vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: TX

Complaint narrative:
This letter serves as a follow-up to my previous complaint submitted last month regarding a fraudulent account that has been incorrectly reported on my credit file. I am reaching out once again to formally request your assistance in filing a complaint against XXXX XXXX for their continued failure to address this matter appropriately. 

Account in Question : Creditor : CREDIT SYSTEMS INT INC Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3700.00} I have strong reason to believe that this account was opened fraudulently using my personal information. I did not open, authorize, or consent to the creation of this account, and its presence on my credit report is both erroneous and harmful. 

Despite several attempts to resolve this matter directly with XXXX XXXX, they have failed to investigate or take corrective action. I have disputed this account multiple times, yet it continues to remain on my credit report, causing unjustified damage to my creditstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: NC

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and detailed explanation of the reinvestigation process. Specifically, I requested information outlining the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to support the continued reporting of the item. 

To date, the agency has not provided any of the requested information. This failure to disclose required details violates the FCRAs standards for transparency and accountability and raises serious concerns about the accuracy and integrity of the reinvestigation process. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and could result in civil liability.

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 2025-06-11 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:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: PA

Complaint narrative:
I have no affiliation with these creditors and did not authorize this inquiry. Please promptly remove it from my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: WV

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: PA

Complaint narrative:
These inquiries were made without my consent and appear to be fraudulent. I urge you to thoroughly investigate and expeditiously remove them from my credit report. I have attached relevant documentation to assist in your review.

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 2025-06-11 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:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2025-06-11 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: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

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 2025-06-11 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: Lendmark Financial Services
State: NC

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. More so they didn't follow the proper 5 step validation procedure which make this unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly they violated my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-06-11 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ALLY FINANCIAL INC.
State: NC

Complaint narrative:
XXXX ( now XXXX ) is reporting a collection account with a {$320.00} balance on my XXXX  credit report. On or around XX/XX/year>, I submitted a formal dispute and requested full validation of the debt under FCRA 609 ( a ) ( 1 ) and FDCPA 809 ( b ). I asked for a signed contract, itemized statements, and proof of ownership. I received no documentation or response. Despite this, the account continues to report as derogatory, which is unfair, unverifiable, and in violation of federal law. I am requesting its immediate deletion due to failure to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: PA

Complaint narrative:
It's unreasonable that my history of timely payments for this account is not being recognized. I respectfully request immediate action to update my account with this information accurately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Subject : Formal Dispute of Obsolete, Negative Account CITI XXXX XXXXCBNA ( Opened : XX/XX/XXXX | Closed : XX/XX/XXXX ) Re : XXXX  File Request for Deletion Under FCRA 605 ( a ) To Whom It May Concern, I am writing to dispute the following outdated and derogatory account that continues to report negatively on my credit report in violation of the Fair Credit Reporting Act : Creditor Name : CITI XXXX XXXXCBNA Account Type : Credit Card Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Date of Last Payment : XX/XX/XXXX Status : Charged Off / Canceled by Credit Grantor Balance : {$0.00} Reported Date : XX/XX/XXXX This account is over XXXX XXXX XXXX from the date of first delinquency ( XX/XX/XXXX ) and should no longer be reporting negatively on my credit file in accordance with FCRA 605 ( a ), which limits the reporting period of adverse information to 7 years.

Additionally, I request verification of this accounts accuracy and continued reporting. If you can not verify it with competent evidence, you must delete it under FCRA 611 and 602 ( b ), which provide for accuracy, fairness, and the privacy of consumer information. 

Please remove this account from my credit file and send an updated copy of my credit report reflecting this change. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2025-06-11 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

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 non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Williams, Rush & Associates, LLC
State: TN

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against Williams , Rush & Associates LLC regarding their handling of a debt collection matter. I have never entered into any agreement or contract with this debt collector for any debt. As such, I am requesting that they provide concrete proof from the original creditor establishing their ownership of this debt and their legal authority to collect it. If they can not provide such evidence, I demand that this account be deleted from my records immediately. 
Additionally, this same debt was previously reported by XXXX XXXX XXXX XXXXXXXX XXXX. I disputed the account with the credit bureaus, and it was subsequently removed because the information was found to be inaccurate. Now, a new debt collectorWilliams, Rush & Associates LLCis reporting the same debt, yet the disputed information has still not been verified. This appears to be a continuation of unethical and inaccurate reporting practices. 
I respectfully request the CFPBs assistance in investigating this matter and ensuring that Williams , Rush & Associates LLC deletes this account promptly. I also urge the CFPB to ensure that they adhere to all legal and regulatory standards in their debt collection practices. 
Thank you for your attention to this issue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on 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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: GA

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues. 

Account name : XXXX XXXX Account number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: AL

Complaint narrative:
This letter disputes the XXXX XXXX account ( # XXXX * * * * ), listed as placed for collection with a balance of {$1800.00}.

Violations : - 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) - 15 U.S.C. 1681e ( b ) - 15 U.S.C. 1681s-2 ( b ) - 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) I request the immediate deletion of this account. If you continue reporting, you must provide a full Method of Verification under 1681i ( a ) ( 6 ) ( B ) ( iii ).

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 2025-06-11 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: PA

Complaint narrative:
I have consistently made punctual payments on this account and request that it be accurately reflected. It is frustrating to encounter this discrepancy given my steadfast history of meeting deadlines.

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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
My name is XXXX XXXX XXXX and I am submitting this complaint myselfno third party is involved. Im disputing inaccurate and misleading information on my credit report. 

Ive been working toward buying a home, but these errors are making it difficult. Despite my patience, the lack of response has been frustrating and feels unprofessional. 

This situation has caused delays and unnecessary stress. Please review the documents Ive provided and take immediate action to resolve the issue.

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 2025-06-11 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: TX

Complaint narrative:
i am a victim of identity theft and i am disputing several fradulent accounts that were added to my credit report without my knowledge or permission. These accounts were not opened by me and i strongly believe they are a result of the XXXX  breach where my personal information was compromised. the accounts listed below are being reported innaccuartley and need to be investigated and permanently removed. 

XXXX XXXX /opened XXXX balance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX balance {$23000.00} XXXX XXXX XXXXXXXX XXXX XXXX balance XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX balance {$1000.00} XXXXXXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX balance XXXX i did not authorize these accounts. I have submitted an identity theft report and am invoking my rights under the FRCA 15 U.S.C 1681c-2 which requires that all fraudulent accounts be blocked from my report when a valid identity theft report is 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 explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
To Whom It May Concern at the Consumer Financial Protection Bureau ( CFPB ), I am writing to file a formal complaint against XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX regarding their handling of a debt collection matter. I have never entered into any agreement or contract with this debt collector for any debt. As such, I am requesting that they provide concrete proof from the original creditor establishing their ownership of this debt and their legal authority to collect it. If they can not provide such evidence, I demand that this account be deleted from my records immediately. 
Additionally, this same debt was previously reported by XXXX XXXX XXXX XXXX XXXXXXXX. I disputed the account with the credit bureaus, and it was subsequently removed because the information was found to be inaccurate. Now, a new debt collectorWilliams, XXXX XXXX XXXX XXXX reporting the same debt, yet the disputed information has still not been verified. This appears to be a continuation of unethical and inaccurate reporting practices. 
I respectfully request the CFPBs assistance in investigating this matter and ensuring that XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX deletes this account promptly. I also urge the CFPB to ensure that they adhere to all legal and regulatory standards in their debt collection practices. 
Thank you for your attention to this issue.

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