vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Frequent or repeated messages
Company: CDI Affiliated Services, Inc.
State: ID

Complaint narrative:
I am submitting this statement to the Consumer Financial Protection Bureau ( CFPB ) as both a formal complaint and a cease and desist demand pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq., specifically 1692c ( c ).

To CDI Affiliated Services IN : This serves as my formal written demand that you immediately cease all communication with me, my family members, my employer, and any third parties concerning the alleged debt referenced as Account Number : XXXX XXXX. I dispute the validity of this alleged debt in its entirety. You have failed to provide verifiable proof that I am legally obligated to pay it, and your continued contactvia phone, mail, email, text, or otherwiseis unwarranted, harassing, and in direct violation of federal law.

Under 15 U.S.C. 1692c ( c ), you are prohibited from further contact except for the sole purposes of : ( 1 ) advising me that your collection efforts are being terminated, or ( 2 ) notifying me of specific remedies you may lawfully invoke. Any further attempts to collect outside of these exceptions will be treated as willful violations of the FDCPA.

Violations may subject you to civil liability of up to {$1000.00} per occurrence under 15 U.S.C. 1692k ( a ) ( 2 ) ( A ), in addition to actual damages, attorneys fees, and costs. I will also pursue enforcement by the CFPB, the Federal Trade Commission, and my State Attorney General.

This complaint further alleges that CDI Affiliated Services IN has failed to verify the alleged debt and has continued unlawful contact despite my cease and desist demand. I request the CFPB to investigate these actions and take all necessary enforcement measures to ensure compliance with the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to file a formal complaint against Equifax for engaging in discriminatory credit reporting practices that disproportionately and negatively impact XXXX consumers, in violation of the Equal Credit Opportunity Act ( ECOA ), the Fair Credit Reporting Act ( FCRA ), and federal civil rights laws. 
Description of the Problem I have reason to believe that Equifax has systematically engaged in or enabled practices that result in the overlooking, underreporting, or misrepresentation of credit accounts and positive credit history for XXXX consumers, thereby lowering credit scores and unfairly limiting access to credit, housing, and financial opportunities. 
My credit file has contained errors which were not corrected despite my disputes. 
I have been denied credit/housing/ employment due to inaccurate or incomplete information reported by this bureau. 
Comparable XXXX consumers with similar financial histories and payment records have been treated more favorably in credit scoring and reporting outcomes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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:
CFPB Complaint Statement Final Notice of Unresolved Credit Dispute and Ongoing FCRA Violations Complainant : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, XXXX  XXXX Telephone : ( XXXX ) XXXX Date : XX/XX/XXXX I am filing this complaint against Experian, Equifax, and TransUnion for their repeated failure to correct inaccurate and unverifiable information in my credit reports despite multiple dispute submissions over the past several months. 

The bureaus have responded with generic verified statements without providing the legally required method of verification under 15 U.S.C. 1681i ( a ) ( 7 ). This failure constitutes violations of : 15 U.S.C. 1681i ( a ) Failure to conduct a reasonable reinvestigation ; 15 U.S.C. 1681e ( b ) Failure to follow reasonable procedures to ensure maximum possible accuracy. 

Disputed Items Remaining Unresolved : Incorrect Personal Information : Previous Address : XXXX XXXX XXXX XXXX XXXX  XXXX Previous Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX Employer : XXXX XXXX XXXX Unauthorized/Unverified Inquiries : XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX  XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX Collections / Charge-Offs / Late Payments : XXXX XXXX XXXX Collection Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Charge Off Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Late Payment ( Closed/Paid ) Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Charge Off Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Charge Off Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXL XXXX Late Payment ( Closed/Paid ) Acct # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Charge Off Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX Collection Acct # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX The bureaus have failed to : Provide the specific method and process used to verify these items ; Identify the full name, title, and contact information of the furnishers ; Supply any documentation relied upon to confirm the disputed information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: National Credit Systems,Inc.
State: KY

Complaint narrative:
National Credit Systems is attempting to collect a debt for which I have no contractual obligation. I have never signed any agreement with National Credit Systems and have no account with them. I submitted a written request for verification of this alleged debt, including a copy of any signed contract and an itemized statement.

Under the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ), they are required to provide verification within 30 days. They failed to provide any proof within that time frame, yet they continue to report this collection account to the credit bureaus. This is an inaccurate and unverifiable entry that is damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-08-12 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:
I am filing this complaint against Equifax, Experian, and TransUnion for ongoing violations of the Fair Credit Reporting Act ( FCRA ) due to their repeated failure to correct inaccurate and unverifiable information on my credit reports despite multiple disputes over several months. 

In my disputes, I included all required proof of identity and documentation. I specifically requested the method of verification under 15 U.S.C. 1681i ( a ) ( 7 ), yet I only received generic verified responses without any details, in violation of 1681i ( a ) and 1681e ( b ), which require a reasonable reinvestigation and maximum possible accuracy.

The disputed and unresolved items include : XXXXXXXX XXXX XXXX Case Number : XXXX. 

Unauthorized 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 Incorrect personal information : Employers : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX The bureaus have failed to provide : The specific method and process used to verify these items. 

The full name, title, and contact details of the furnishers. 

Any documentary evidence relied upon in the reinvestigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: AL

Complaint narrative:
b"Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report: \nXXXX 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 2025-08-12 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: AL

Complaint narrative:
b"Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report: \nXXXX 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 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 2025-08-12 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: MD

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TransUnion 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 a personal credit card account opened aXXXX XXXX XXXX XXXX XX/XX/XXXX under the account number XXXX an auto loan account opened at XXXX XXXX XXXX XXXXXX/XX/XXXX under the account number XXXX a account opened at XXXX on XX/XX/XXXX under the account number XXXX, along with a collections account opened at XXXX XXXX XXXX XXXX XXXX XXXX XXXX on XX/XX/XXXX with a balance of {$1700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. 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 # XXXX as proof from the US Federal Trade Commission that all of 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
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: OR

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my XXXX under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 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: KS

Complaint narrative:
There were several accounts that were a result of identity theft in my credit. Two of which were from XXXXXXXX XXXX XXXXXXXX a bill collector but were XXXX XXXX and were connected accounts .. XXXXXXXX XXXX  XXXX have stated they do not have any debt on record for me in their system upon looking further they say that both of the cox accounts were submitted for deletion. I have notified experian that is the case yet they refuse to remove one of the two accts. Both were to be deleted they only deleted one.

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 2025-08-12 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:
Good day, I'm Sending this complaint, regarding to the fraudulent items listed below are reporting on my credit report in violation of federal law, and I'm thankful that some of the fraudulent items in my credit file was remove but as I reviewed my updated credit report some of the fraudulent items remain. According to the Fair Credit Reporting Act, 15 USC sections 1681 you are required to remove the listed itemswithin the time declared by law and continued reporting of untruthful information which now affects my credit. Please see below the summary of the fraudulent items that are remaining showing on my report : 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 2025-08-12 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:
I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned 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
Consumer complaint received 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
The Company listed on my report is not a company I did business with.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: VA

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 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 XXXXXX/XX/year>. I filed a report with the FTC but my report wouldnt download. Attached is my reference number that was emailed to me after filing my report.

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 2025-08-12 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: MN

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The XXXX credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX ( a ) and XXXX ( b ), I am exercising my right to request a full reinvestigation into this item, as I believe the information being reported XXXX be inaccurate, incomplete, or unverifiable. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$30.00} Late XXXX  days XX/XX/XXXX and XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$4900.00} Late XXXX  days XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$6500.00} Late XXXX  days 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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: CA

Complaint narrative:
Upon reviewing my XXXX credit report, I identified an open account under the name WORLD FINANCE that is reported as a personal loan. I have never applied for or opened this account. I have consistently maintained all my legitimate accounts in good standing, and this erroneous entry is harming my credit history. 

I am requesting a complete review and verification of this account. If it can not be proven as mine with valid documentation, I request that it be removed from my credit report and my record updated to reflect only accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-12 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: NJ

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

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 2025-08-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I recently review a copy of my credit report and notice i had fraudulent accounts on my report. Please remove these accounts from my report, they are hurting my ability to obtain credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Klarna AB
State: VA

Complaint narrative:
ive made attempts months ago i had 2 unauthorized charges made on my account which was sent to collections at tru accord i disputed it they professed it and confirmed it was due to id theft and was not collecting on it and updated klarna but klarna had yet to update my account its been 2 years and. a couple a months ago when i filed my complaint they keep telling me to contact the collection when trun accord already contacted them been goin back and forth with klarna for months im sick and tired and this need me to be handled all the runaround and lies and back and forth

Company response to consumer: Closed with monetary relief