vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Property Receivables, Corp
State: CA

Complaint narrative:
On XX/XX/year>, Property Receivables, a debt collection agency, contacted me about a debt they claim I owe in the amount of {$25000.00}. I requested validation of the debt, and the representative said they would send me the information by email. At first, they claimed to have already sent it, but I did not receive it. After multiple calls, I finally received documents later that evening. 

However, the documents contained several serious issues : The amount claimed ( {$25000.00} ) is inconsistent with the judgment from my eviction, which was {$10000.00} including my roommates. 

The documents included personal identifying information ( PII ) of other consumers specifically, individuals named XXXX XXXX XXXX and XXXX XXXX. The information disclosed included Social Security numbers, W-2 forms, government ID, and other highly sensitive data. 

This is a serious privacy breach, and I should never have been given access to another persons financial and identifying information. 

I am disputing the validity of the {$25000.00} debt being claimed and requesting that the CFPB investigate both the accuracy of this debt and the improper disclosure of other consumers sensitive data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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 can not understand why the inaccurate accounts are still present on my credit reports when I expected them to be eliminated. I am urgently asking for the attached documents to be evaluated with great care so I can finally have peace of mind and relief from this ongoing burden.

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 2025-09-19 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 
I submitted a formal dispute letter to Equifax on XX/XX/year>, regarding multiple inaccurate late payment entries reported on my credit file. Despite citing violations under the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681s-2 ), Equifax has failed to provide proper verification, documentation, or correction of these entries. The reported late payments are the result of furnishers internal reporting errors, not actual delinquencies, making them inaccurate and unverifiable. Equifax has therefore failed to conduct a reasonable reinvestigation as required by law. 

XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I am formally demanding the immediate removal of all fraudulent items from my credit file. As a XXXX XXXX XXXX XXXX, I did not authorize the accounts or inquiries listed in the attached documentation. This has been reported to the Federal Trade Commission ( FTC ), and I have included a copy of my official Identity Theft Report as required. Pursuant to Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), you are legally obligated to block and DELETE all fraudulent information within four ( 4 ) business days of receiving this notice and supporting documents. Continued reporting of this false data is a direct violation of federal law and will result in legal action under FCRA 616 and 617 for willful noncompliance. This is your final warning delete the fraudulent information IMMEDIATELY or face legal consequences.

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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE, I'M BEGGING YOU TO REMOVE THE FRAUDULENT ADDRESS TO MY CREDIT REPORT, I NEVER LIVE WITH THAT ADDRESS, AND IT'S IRRITATING ME.

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 2025-09-19 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: CA

Complaint narrative:
I am authorizing the submission of dispute letters and the filing of this complaint through the Consumer Financial Protection Bureaus online system on my behalf. This authorization serves as confirmation that I have reviewed, approved, and directed these actions to ensure that my rights under the Fair Credit Reporting Act ( FCRA ) are fully protected. 

I am submitting this formal complaint against Experian for unlawful reinsertion of a previously deleted fraudulent account into my credit file, in direct violation of the Fair Credit Reporting Act ( FCRA ). The account in questionXXXX XXXX XXXX was previously removed following my identity theft dispute, for which I provided a valid FTC Identity Theft Report and supporting documentation. Experian has now reinserted this account without notifying me within five business days and without obtaining the required certification from the furnisher, as mandated by

15 U.S.C. 1681i ( a ) ( 5 ) ( B ). This constitutes a clear violation of the FCRA and has caused me emotional distress, reputational harm, and unnecessary hardship. Experians actions reflect willful noncompliance with the law, entitling me to statutory damages under 15 U.S.C. 1681n ( a ) ( 1 ) ( A ), as well as punitive damages under 1681n ( a ) ( 2 ) for reckless disregard of
my rights. I am demanding monetary compensation in the amount of {$1500.00} {$1000.00} in statutory damages and {$500.00} for emotional distress and reputational harm. I also reserve the right to pursue additional punitive damages as permitted by law. This complaint is supported by my formal dispute letter dated XXXX XXXX XXXX, which is attached and serves as legal notice of Experians violation and my demand for immediate corrective action.

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 2025-09-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I am writing to dispute a fraudulent credit card account that was opened in my name in XX/XX/year> with XXXX. 

I never applied for or authorized this account. 

I believe this account was fraudulently opened as a result of the XXXX & XXXX XXXX breach. 

I respectfully request the following : Immediate cancellation of the fraudulent account. 

Removal of any charges or balances. 

Written confirmation that I am not liable for this debt. 

Notification to all credit bureaus that this account was the result of identity theft. 

Enclosed are copies of my FTC Identity Theft Report and government-issued identification for verification. 

Thank you for your prompt assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: SC

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, CHALLENGED OR NOT.

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 2025-09-19 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: CA

Complaint narrative:
To : TransUnion LLC XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Equifax XXXX XXXX XXXX XXXX. XXXX XXXX XXXXXXXX XXXX XXXXXXXX Re : Direct Dispute of Duplicate/Unverified Tradelines XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear TransUnion and Equifax, I am submitting this direct dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ) and 1681e ( b ), regarding inaccurate, misleading, and duplicative tradelines appearing on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX ( timeshare loan ) XXXX XXXX ( collection ) These entries represent the same underlying debt but are being reported under different names, creating a false impression of multiple obligations and damaging my creditworthiness.

1. Failure of Accurate Reporting Under FCRA 1681e ( b ), you are required to maintain maximum possible accuracy. Reporting the same account multiple times under different furnishers is neither accurate nor complete.

2. Duty to Conduct a Bona Fide Investigation Under 1681i ( a ), you must perform a reasonable investigationnot a cursory or sham verificationwhen a consumer disputes informa
tion. Passing my dispute back to the furnisher without critical review does not satisfy this duty ( Cushman v. TransUnion, 115 F.3d 220 ( 3d Cir. 1997 ) ).

3. Proof of Contractual Liability and Ownership Please obtain from the furnishers : Authenticated copies of any signed contracts or notes bearing my signature, with affidavits of authenticity.

The complete chain of assignment and custody, including any purchase agreements or bills of sale.

A full accounting of the alleged balance.

Without these, you must delete these tradelines.

4. Case Law and Precedent Spears v. Brennan, 745 N.E.2d 862 ( Ind. Ct. App. 2001 ) collectors must provide the assignment and underlying contract.

Clark v. Capital Credit & Collection Servs., 460 F.3d 1162 ( 9th Cir. 2006 ) misrepresenting debt ownership violates FCRA/FDCPA.

TransUnion LLC v. Ramirez, 141 S. Ct. 2190 ( 2021 ) CRAs are liable for inaccurate reporting causing harm.

Ward v. Fairfield Financial Services credit bureaus must conduct meaningful investigations and are liable for failing to do so.

5. Demand for Deletion if Validation Fails If you can not obtain proper validation, delete these tradelines immediately. Continuing to report unverifiable or duplicative information will be treated as willful noncompliance under FCRA 1681n and 1681o. 

I am also requesting method of verification, who did you speak to, when, what time, and from where. 

This dispute is being submitted via the CFPB portal to ensure oversight. I expect written confirmation of your investigation results within 30 days, as required by law. 

I will file litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 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: GA

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue 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 2025-09-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I would like these fraud alerts to be removed from my credit report. As I did not request this.

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 2025-09-19 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: NY

Complaint narrative:
As a consumer ( defined under XXXX XXXX XXXX ( c ) ), alleged Derogatory late payment deficient of REQUIRED PROOF OF ADEQUATE FEDERAL REPORTING COMPLIANCE, such as XXXX XXXX and the FCRA standards of reporting. 

The following accounts have billing error XXXX XXXX XXXX XXXX and must be resolved immediately. 

XXXX XXXX XXXX XXXX XXXX XX/XX/year> -- {$4500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Hi, I am a victim of identity theft Ive recently just tried to apply for a car for the first time in my life because Ive had my parents vehicle since I was XXXX. Ive never used my credit card because my parents left me their house so Ive never had to use it. Ive recently tried to apply for credit. They came back to me with a copy of my credit report showing items that Ive never applied for nor gave authorization to open up Those accounts to anyone I am requesting help and trying to remove these accounts. I have reached out to the credit bills and the credit companies themselves I have asked them for proof of documentation of it belonging to me. I have also sent them documentation that they have asked me to send in and yet to receive a response within the last XXXX months From the credit bureau nor the collection company. 

Please help

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 2025-09-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Getting the loan — 
Company: Affirm Holdings, Inc
State: TX

Complaint narrative:
On XX/XX/year>, I fell for a scam by a company called " XXXX ''. XXXX of the employees named " XXXX '' had setup a call with his associate named " XXXX XXXX ''. XXXX XXXX is the guy who made me fall into a trap, he told me that " I would make a lot of money in a couple of months doing sales ''. At the time, I was going through financial trouble since I dropped out of college so I instantly fell for it. XXXX XXXX also stated that this wasn't a scam and showed me a page full of testimonies that were fake and paid for by his co-worker " XXXX XXXX '', which is the boss of this entire scam company. XXXX XXXX didn't mention they were fake nor paid for testimonies but I found out throughout their website where the description says " Paid testimonies '' after I fell for their trap. As we were talking about payments, he kept changing the prices each time I said " I couldn't afford it '' and he would lower the price from XXXX to XXXX to XXXX and to XXXX for the same program which is illegal to do and believe it is called " Price fixing '' .XXXX  XXXX XXXX made me sign a contract while being pressured and as well as not giving me enough time to look at the contract, which if you looked at the contract it is an illegal one and the " Terms and services '' don't even go to their Terms and services page, it redirects you to a completely different page as well as a bunch of other illegal stuff on the contract. XXXX XXXX then told me to download an app called " Affirm '' which they did not take my side when I submitted my dispute on XX/XX/year>, because they said I had " Lack of Evidence '' even though I had a folder full of evidence as well as people backing up my side. XXXX XXXX told me I would be on a payment plan and that I would make my money back the second they put me at a company. Which was a complete lie. XXXX XXXX also instructed me to put my " Household income '' which is violation and illegal thing to do on Affirms own merchant policy. I realized this was a scam after I got off the phone with XXXX because I had done my research and actually got in contact with someone who fell for it and got a full refund, so I called XXXX XXXX the next day to talk about cancelling my payment plan, hoping that he would just cancel it and understand that I am going through a financial problem, but he tells me I am not allowed to cancel and kept ignoring me everytime I told him the reason of my cancel and kept telling me " This is an excuse '' or " you are not trying ''. In the folder I have submitted below which is the same evidence I sent to Affirm, I have evidence that XXXX XXXX and his company has told me to " Put Household income, Having an illegal contract, Price fixing, Scamming other people, and as well as lying about peoples testimonies ''. If you need more information, Clarification or don't understand please let me know as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: OK

Complaint narrative:
I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX, which requires consumer reporting agencies to ensure the maximum possible accuracy of the information they report. I am filing this dispute because I am in the process of purchasing a home, and numerous inaccurate and unverifiable items have appeared on my credit reports. These false entries are damaging my creditworthiness, interfering with my ability to obtain mortgage approval, and amount to defamation of my character. I respectfully request that these inaccuracies be immediately removed to ensure my credit file accurately reflects my true and lawful financial history. 

- Please see attached dispute letter.

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 2025-09-19 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 previously submitted a dispute concerning numerous inaccuracies appearing on my credit report. However, after reviewing the results of that investigation, I have determined that many of the reported issues remain unresolved, inaccurately reported, or unverifiable. 
These continued discrepancies misrepresent my true credit history and create an incomplete and misleading picture of my financial responsibility. I am therefore submitting this third-round dispute pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and formally request a comprehensive and immediate reinvestigation of all disputed items. I expect that each item will be thoroughly reviewed, corrected, updated, or removed as required by federal law to ensure the accuracy and integrity of my credit report. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-19 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: NC

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXX XXXX XXXX - Incorrect Personal XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX - Incorrect Personal XXXX - Incorrect Personal XXXX XXXX XXXX - Incorrect Personal XXXX, XXXX, XXXX - Incorrect Personal These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( FTC NUMBER ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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