vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-18 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: CA

Complaint narrative:
To Whom It May Concern I am filing this formal complaint to report serious inaccuracies and violations present in my credit file that are negatively impacting my creditworthiness I am a victim of inaccurate data furnishing and multiple violations of my consumer rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) despite my attempts to correct these errors directly with the credit bureaus my concerns remain unresolved and reinvestigations were either not performed properly or not at all I am requesting the CFPB to urgently intervene and take regulatory action to ensure compliance accuracy and justice in my case I am listing all items individually below with supporting details law violations and my demand for deletion. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Chargeoff * * Law Issue : FCRA Section 611 and FDCPA 15 USC 1692e ( 8 ) prohibit reporting unverified or false credit information Story : I was not properly notified about this charge-off and dispute its accuracy and existence XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Chargeoff * * Law Issue : FCRA Section 607 ( b ) mandates accuracy in charge-off reporting Story : I never received proper documentation about this charge-off and it is harmful and incorrect XXXX XXXX XXXX Chargeoff * * Law Issue : FCRA Section 611 and FDCPA 15 USC 1692g entitle me to validation Story : This charge-off is being reported without evidence or creditor communication and should be removed In conclusion these multiple errors and violations have caused me unjustified harm and financial distress the credit bureaus and furnishers have clearly failed to meet their obligations under federal laws I am requesting the CFPB to demand a full reinvestigation of each item removal of all inaccurate information and potential punitive action against any party that continues to violate consumer protection statutes thank you for your attention and swift action in resolving these matters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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:
Upon reviewing my credit file, I found an account that I did not authorize, initiate, or recognize. This entry is completely fraudulent and must be removed to ensure the accuracy of my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: NY

Complaint narrative:
I am disputing inaccurate and unverifiable information on my credit report under the FCRA, FDCPA, and Metro 2 guidelines. Some accounts contain reporting errors, outdated info, or may be due to identity theft. I'm requesting a reinvestigation and deletion or correction of all applicable items. A full letter and supporting documents are uploaded.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
I am disputing inaccurate and unverifiable information on my credit report under the FCRA, FDCPA, and Metro 2 guidelines. Some accounts contain reporting errors, outdated info, or may be due to identity theft. I'm requesting a reinvestigation and deletion or correction of all applicable items. A full letter and supporting documents are uploaded.

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 2025-07-18 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: NY

Complaint narrative:
Hard inquiries have been recorded on my credit profile without my knowledge or consent. I believe this is a serious breach of my privacy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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:
XXXX XXXX  is furnishing inaccurate data to credit bureaus about my account, reported as closed in Equifax/TransUnion but open in Experian, with balances exceeding limits ( $ XXXX {$6200.00} vs. {$6200.00} ). This violates FCRA 1681s-2 ( b ) ( duty to investigate disputes and correct inaccuracies ). The inconsistencies harm my credit score and ability to obtain credit. I disputed with bureaus but demand XXXX investigate and correct. Provide proof of accuracy or remove.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-18 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:
XXXX XXXX  is furnishing inaccurate data to credit bureaus about my account, reported as closed in Equifax/TransUnion but open in Experian, with balances exceeding limits ( $ XXXX {$6200.00} vs. {$6200.00} ). This violates FCRA 1681s-2 ( b ) ( duty to investigate disputes and correct inaccuracies ). The inconsistencies harm my credit score and ability to obtain credit. I disputed with bureaus but demand XXXX investigate and correct. Provide proof of accuracy or remove.

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 2025-07-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

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 2025-07-17 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: FL

Complaint narrative:
I am disputing the accuracy of the following accounts due to conflicting and inconsistent information across credit bureaus : XXXX reported as Paid by Experian but Derogatory/Chargeoff by XXXX XXXX XXXX 

XXXX XXXX balance and past due amounts vary significantly between Experian ( {$3500.00} ), XXXX  ( {$5600.00} ), and XXXX ( {$4700.00} ). 

XXXX XXXX XXXX and high credit amounts differ across Experian ( {$150.00} limit, {$0.00} high credit ) and XXXX ( {$0.00} limit, {$440.00} high credit ). 

Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681e ( b ), credit reporting agencies must ensure the maximum possible accuracy of consumer information. Due to the discrepancies, these accounts can not be verified accurately and should be corrected or deleted immediately.

I previously disputed these items without resolution and now request a reinvestigation as required by FCRA 1681i, with corrections or deletions made promptly.

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 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LPI, INC.
State: PA

Complaint narrative:
On XXXX I applied for a loan and was denied by XXXX XXXX. My friend then applied for the loan through XXXX XXXX and was approved. This was for a hot tub I wanted and my friend gifted me the hot tub. 

On XXXX i received the item and i signed for its delivery. After a couple months my friend then paid off the balance on his credit card / loan for this product. 

Around XX/XX/XXXX I received an email stating I owed the balance of XXXX for this product. Then there was a claim against my credit report of a Collection account. {$3300.00} past due as of XX/XX/XXXX reported from LP Financial Inc. Then i disputed the claim with experian the credit reporting site. Which experian found it to be fraud and deleted the collection account claim that was against me. 

Around XXXX - XXXX I received a harassing phone call claiming I owed the money for the item. 

Come XXXX - XXXX LP financial sent me a letter in the mail claiming that they are collecting a debt that XXXX XXXX turned over to them that I owed {$7500.00} and that they wanted me to pay {$5200.00}. 

XXXX I called XXXX XXXX XXXX this loan and they told me they have no information about me and a loan with them. When talking to XXXX XXXX I asked them about this credit card number that was on the paper that I signed for when I received the hot tub and XXXX XXXX told me that it was a credit card through XXXX bank and not them. Then I decided to call the hot tub manufacturer the sell these who gets paid through these loans and they couldnt provide me any information about this loan however they did say to me that there is someone who is handling my loan and they would have to call me back however I never received a phone call about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: MI

Complaint narrative:
Subject : Formal Dispute of Inaccurate, Incomplete, and Unverifiable Accounts Demand for Deletion Pursuant to FCRA 611 and Metro 2 Compliance Dear CFPB Representative, I am submitting this formal complaint and dispute regarding multiple accounts reported on my credit reports by Equifax, XXXX XXXX XXXX  These accounts are inaccurate, incomplete, and unverifiable, and do not comply with the Fair Credit Reporting Act ( FCRA ) 611 ( a ) ( 1 ), 609 ( a ) ( 1 ), and the Fair Debt Collection Practices Act ( FDCPA ) 809 ( b ). I demand an immediate investigation and deletion of these accounts unless full, proper validation is provided. XXXX XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX ) Reported Balance : {$960.00} Date Opened : XX/XX/XXXX Reported As Of : XX/XX/XXXX Status : Open Collection Issues : No original signed contract, billing statements, or legal chain of custody provided. Account status remains " Open '' despite being placed in collections over 4 years ago, indicating stale or misleading data. Consumer dispute remark shows prior challenges, but no proper validation has ever been received. XXXX XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX  ) Reported Balance : {$720.00} Date Opened : XX/XX/XXXX Reported As Of : XX/XX/XXXX Status : Open Collection Issues : Account lacks any itemized breakdown or contract authorizing this charge. No verification of consumer responsibility or service agreement with XXXX XXXX Violates Metro 2 data standards and lacks completeness per FCRA 609. XXXX. XXXX ( Original Creditor XXXX XXXX XXXX XXXX XXXX  Reported Balance : {$4200.00} Date Opened : XX/XX/XXXX Reported As Of : XX/XX/XXXX Status : Open Collection Issues : No contract, signed agreement, or legal right to collect on behalf of XXXX XXXX XXXX has been provided. The high balance is unsubstantiated and lacks breakdown of charges or service usage. Multiple placed for collection entries suggest redundant or inflated reporting. XXXX. XXXX ( Original Creditor : XXXX XXXX XXXX ) Reported Balance : {$190.00} Date Opened : XX/XX/XXXX Reported As Of : XX/XX/XXXX Issues : Unverified debt with no original billing or proof of XXXX assignment to XXXX. XXXX is vague, generic, and unverifiable under XXXX XXXX and FCRA standards. XXXX. XXXXXXXX XXXX  Reported Balance : {$830.00} XXXX XXXX : {$500.00} Status : Charge-off Date Opened : XX/XX/XXXX Reported As Of : XX/XX/XXXX Issues : Account shows 168 % utilization for a closed credit line, which is mathematically and contractually questionable. No documentation verifying lawful charge-off or balance justification. Charge-off appears to be reported without adequate substantiation or monthly billing history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-18 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: NM

Complaint narrative:
This letter serves as a formal Notice of Violation of the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S. Code 1681c2, 1681i, and 1681e, relating to your unlawful and damaging reinsertion of multiple identity theft-related accounts that had previously been disputed, blocked, and removed from my credit file. 

Factual Background : I am the victim of identity theft, and I submitted a formal FTC Identity Theft Report ( Report # XXXX ) on XX/XX/year>, along with all necessary documentation to all three credit bureaus, including Equifax. I refiled to add copy of Social Security Card ( Report # XXXX ) on XX/XX/year>. As required under 15 U.S.C. 1681c2, I properly requested the blocking and removal of the following fraudulent accounts : - XXXX XXXX XXXX # XXXX $ XXXX XXXX XXXX  Acct # XXXX $ XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX {$860.00} These accounts were previously removed after dispute and verification of identity theft. However, on or around XX/XX/year>, Equifax reinserted these three accounts back into my credit report, damaging my credit score and ability to secure credit. On a recorded phone call with your representatives, Equifax admitted to mailing the reinsertion notice to the wrong address, in direct violation of 15 U.S.C. 1681i ( a ) ( 5 ) ( B ), which mandates notice of reinsertion within 5 business days.

Legal Violations Identified : 1. 1681c2 Failure to permanently block known identity theft accounts despite receipt of valid identity theft report.

2. 1681i ( a ) ( 5 ) ( B ) Reinserted information without proper notice, or with notice sent to an incorrect address, violating notification duties.

3. 1681e ( b ) Failure to use reasonable procedures to ensure maximum accuracy of consumer reports.

4. 1681n and 1681o Your actions constitute willful or negligent noncompliance, making you liable for statutory, actual, and punitive damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I recently applied for a home loan and according to my credit scores with XXXX  and XXXX, my scores are excellent. Even though they are excellent, my XXXX score is much lower, which can only be attributed to Experian. I was registered with Experian in XXXX and have not requested a score since and they will not allow me my scores without registering my credit card information to hold as a 7-day trial. Without that information I can not enter the site to determine how to cancel that membership without being charged. Often, the process to cancel in these sites are embedded and difficult to locate so I choose not to use their method. I called Experian today, XX/XX/XXXX to determine that I could cancel via phone call and their automated service told me that my request did not warrant speaking to a representative. My determination is that their process they promote as FREE is much to shady to risk. The other XXXX reporting agencies were simple an efficient to use online. In my opinion and I'm quite sure with most consumers, these agencies should be held to the highest standards and ethical practices. Experian does not measure up as do Transunion and Equifax where FREE means FREE! Below is their web site definition. They are misreporting my financial life where I have NO control and holding the information XXXX unless I buy into my information. Shame on you Experian!! 

Free Experian Credit Report | Experian - Official Site Sponsored New Credit Scores Take Effect Immediately. Get More Control Over your Financial Life. Increase your Credit Scores & Get Credit for the Bills You're Already Paying. 100 % Free!

Credit Monitoring FICO Score Official Credit Bureau Credit Alerts

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 2025-07-17 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: FL

Complaint narrative:
I do not recognize these inquiries, and they seem unauthorized. I kindly request prompt action to resolve this issue. The attached documents provide further details.

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 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Control, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XX/XX/year> CREDIT CONTROL , LLC XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX Debt Validation Request Pursuant to 15 U.S.C. 1692g ( b ) To Whom It May Concern : This letter serves as a formal demand for debt validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ). I am requesting that you provide full and complete verification of the alleged debt referenced above, which you claim I owe.

Please consider this a notice that I am disputing the validity of this debt, and I am exercising my right to request proper validation. Until you provide the documentation requested below, you are to cease all collection activities, including reporting this account to any credit bureaus.

Under the FDCPA, you are required to provide the following : 1. The name and address of the original creditor ; 2. The amount of the alleged debt, including a breakdown of all interest, fees, and other charges ; 3. Proof that you are legally authorized to collect on this debt in my state ; 4. A complete payment history starting from the original creditor ; 5. A copy of the original signed contract or other documents bearing my signature that allegedly binds me to this debt ; 6. Proof of the chain of title, showing the legal transfer of the debt from the original creditor to your agency.

Failure to provide the above documentation within thirty ( 30 ) days from the date of your receipt of this letter will constitute your agreement to remove this debt from all consumer reporting agencies and cease all collection efforts. Please be advised that continued collection efforts without proper validation violate the FDCPA and may result in legal action.

This is not a refusal to pay, but a request that the alleged debt be validated in accordance with federal law. If you can not provide the necessary documentation, you must cease all collection efforts and remove all references to this debt from my credit reports. 

Please address all future correspondence regarding this matter to me in writing at the address listed above. 

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 2025-07-17 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: LA

Complaint narrative:
Im writing to formally dispute an alleged late payment reported on my account. This late payment was reported by [ Creditor Name ] to your agency, XXXX XXXX XXXX XXXX and I believe that this entry is inaccurate. The payment in question is identified as " late, '' but I do not believe that the creditor has followed the legal requirements to report it as such under the Fair Credit Reporting Act ( FCRA ) and related laws.

Legal Basis for Dispute : Under 15 U.S. Code 1681a ( 2 ), the term " consumer report '' does not include reports that solely contain information regarding transactions or experiences between a consumer and the person making the report. As such, any transaction or experience between myself regarding this account should not be included in my consumer credit 15 identify you and your account.

HAVE A QUESTION? XXXX XXXX XXXX XXXX  TTY/TTD : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, Monday - Friday ( except federal holidays ). 
More than 180 languages available Other taver U.S. Code 1681a ( 2 ) ( AY ( i ), 1666b, and 1637 ( b ) ), the information reported to the credit bureau is invalid, and there is no basis for it to remain on my credit report.

Request for Action : If USAA can not provide the necessary proof of mailing or delivery of the required information, I request that this late payment be deleted from my credit report. Failure to do so will be considered a violation of 15 U.S. Code 1681s-2, which prohibits the reporting of inaccurate or unverifiable information.

I respectfully request that you take the appropriate action to remove this inaccurate late payment entry from my credit report within 10 calendar days of receiving this notice.

Late Payment ( s ) in Question : Thank you for your prompt attention to this matter. I look forward to your response and tion that the disputed late payment entry has been 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