vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-06 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 CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX U.S.C. XXXX ) that you -- credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: SC

Complaint narrative:
The consumer reporting agency has willfully violated the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b Permissible purposes of consumer reports, by furnishing or reporting information on my credit file without my written consent or legal authorization. I did not provide any written instructions allowing the agency to collect or disclose this information. This is a clear violation of the permissible purpose provision, and I have formally disputed the items in question.

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 2025-08-06 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am using this CFPB complaint as both a formal complaint and a formal dispute and request for debt validation addressed to LVNV Funding LLC. Attached to this complaint is my written validation request, which clearly lists the documents that [ Collection Company Name ] must provide under the Fair Debt Collection Practices Act ( FDCPA ) to prove the debt is valid and legally collectible. This includes proof of ownership of the debt by purchase agreement, a breakdown of the amount claimed, and a copy of the original agreement bearing my signature. 

I am submitting this request through the CFPB to ensure that LVNV Funding LLC receives my letter and is held accountable for responding properly and lawfully.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: OH

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-06 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

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 2025-08-06 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: TX

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I reviewed my Equifax credit report and found several hard inquiries that I did not authorize or initiate. I never applied for credit with these companies and did not give them permission to access my credit file. These inquiries are negatively affecting my credit score. 

I submitted a dispute to Equifax by mail requesting verification or removal of these inquiries. However, I have not received any confirmation or documentation proving that I authorized them. 

The inquiries in question are XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX These inquiries are not related to any current or previous credit accounts, and I respectfully request assistance in resolving this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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: MO

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : XXXX XXXX  ] Account Number : [ 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 2025-08-06 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: Servicer under contract with Federal Student Aid
State: GA

Complaint narrative:
This issue stems from the transfer of my disputed student loan account from XXXX to the U.S. Department of Education. Following the transfer:1. Two accounts now appear on my credit report : the original ( closed ) Edfinancial account, and a new account reported by the U.S. Department of Education.2. The Department of Education did not preserve the original date opened, instead reporting a new, inaccurate open date, violating credit reporting accuracy standards.3. This has caused the account to appear as a newly acquired debt, resulting in : - Artificially increased account balances- Reduced credit age - A substantial and unjustified drop in my credit score4. I properly disputed the loan as fraudulent prior to the transfer, and XXXX XXXX XXXX resolve the matter before the loan was reassigned.5. Despite repeated disputes and documentation sent to Experian, the inaccurate information continues to be reported, in violation of both the Fair Credit Reporting Act ( FCRA ) and Consumer Financial Protection laws.

Applicable Violations Include : - FCRA, 15 U.S.C. 1681e ( b ) Failure to maintain accurate and complete consumer credit information- FCRA, 15 U.S.C . 1681s-2 ( b ) Furnishers duty to correct and update inaccurate information- FCRA, 15 U.S.C. 1681i Failure to properly reinvestigate disputed information- Consumer Financial Protection Act, 12 U.S.C. 5531 Unfair, deceptive, or abusive acts or practices ( UDAAP )

Company response to consumer: Untimely response
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TekCollect Inc.
State: MD

Complaint narrative:
On XX/XX/XXXXXXXX XXXX XXXX I submitted a certified debt validation request to Tek-Collect Inc. under 15 U.S. Code 1692g, disputing the accuracy and legitimacy of a {$1900.00} collection account allegedly tied to XXXX. Despite receiving my dispute, Tek-Collect Inc. has continued to report the debt negatively to the credit bureaus, in clear violation of both the FDCPA 1692g ( b ) and the FCRA 1681s-2. 

Prior to my dispute, the Tek-Collect tradeline on my credit report only listed the city and state. After I submitted my dispute, and without providing any form of validation, they updated the entry to display a full mailing address. This change was made while the debt was under formal dispute and validation was pending, which appears to be a deceptive furnishing tactic designed to make the account appear more credible or collectiblepotentially in violation of FCRA 1681s-2 ( a ) and 1681i ( a ). 

To date, Tek-Collect has failed to provide any of the legally required documentation, including : Proof that the alleged debt is valid and accurate A copy of any signed agreement or contract bearing my signature An itemized breakdown of the balance claimed Documentation showing their legal right to collect on behalf ofor ownership of the debt fromSmileDirectClub Furthermore, it is important to note that XXXX filed for XXXX XXXX XXXX in late XXXX and ceased operations in XXXX. Given this, the ability of any third party to substantiate or collect on alleged debts tied to XXXX is questionable and must be scrutinized with heightened legal caution. Any such claim should require strict documentary evidence of assignment and balance validationnone of which has been provided. 

This behavior by Tek-Collect materially misrepresents the status of the account and has caused demonstrable harm to my ability to secure credit, housing, and employmentall while I remain within the 30-day dispute window. 

I respectfully request that this account be immediately removed from all credit reports and that Tek-Collect Inc. cease all collection activity until they fully comply with the federal requirements outlined above.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: CA

Complaint narrative:
Fake master card used to take money from my bank account

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ), the documents needed, a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls undeXXXX XXXX according to XXXX Bondage Final Rule 1002.142 ( b ) ( 4 ) - ( 5 ) -- -- -- 1002.142 ( b ) ( 7 ). I have provided my photo ID along with the other required documents. I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only 2 are required per the LAW. Which I have provided all of my documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 )

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 2025-08-06 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my XXXX Equifax & XXXX credit report on XX/XX/2025, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: AZ

Complaint narrative:
The following accounts and inquiries are being reported incorrectly. Please remove any unknown and inaccurate information and also update late payment to paid as agreed. Thank you also XXXX XXXX is a reinsertion and is illegal

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: SC

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

1681c-2 ) that you, the Equifax Information Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX INQUIRIES XXXX XXXX Date : XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Silverman Theologou, LLP
State: VA

Complaint narrative:
Ive received harassing calls from The law office of Silverman theologou llp. The person always says he needs to speak with me can never give me valid information or prove that hes from a legitimate law firm. He also is rude and aggressive. Hes yelled at me when all Ive asked is questions because I dont owe any credit card debt that ima ware of to the credit union . I only have a mortgage with them. Last week I received a packet of papers from this same lawfirm and I asked the lady whatever was about she told em to look at the papers. All papers had someones personal identifiable information on it and none of it had my information. This is alarming so I called today and spoke with an attorney named XXXX and advised that I have someone personal information including social security address etc and I want the harassing calls to stop

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-06 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 writing to formally dispute inaccurate information being reported on my consumer credit report by Equifax, XXXX XXXX XXXX for the following accounts : XXXX XXXX Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  Account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Specifically, Equifax is reporting the XXXX account as " Pays account as agreed '' with a " 30 days past due '' delinquencXXXX XXXX is reporting " Paid account/was 30 days past due '' with a " 30-day delinquent '' status. TransUnion is reporting " Paid or paying as agreed '' but does not indicate a payment status. These reports are inaccurate and need to be updated to reflect " Paid on time '' and " Paid as agreed '' for both accounts. These entries are inconsistent, contradictory, and inaccurate. I am requesting that the status of these accounts be updated to reflect " Paid on time '' or " Current, '' and that the worst delinquency status be corrected accordingly to ensure accuracy in reporting. Upon review, I have discovered that these entries violate the Fair Credit Reporting Act ( FCRA ), particularly Section 611 ( 15 U.S.C. 1681i ), which requires consumer reporting agencies to ensure the maximum possible accuracy of the information contained in consumer reports. Furthermore, these entries were reported without my written authorization, in direct violation of 15 U.S. Code 1681b ( 2 ), which mandates that consumer information can not be accessed or used without the explicit written consent of the consumer. I expect a detailed response outlining the findings of your investigation, including documentation of the original written instructions from me, with my wet signature, authorizing the reporting of this information, and an explanation of the legitimate purpose for reporting these late payments. Additionally, I request a thorough investigation into these disputed late payments as required under Section 604 ( a ) ( 3 ) of the FCRA and written confirmation of the investigation 's completion, along with details of any actions taken to rectify this matter.

Lastly, I request documentation to verify compliance with 15 U.S. Code 1666b, which mandates that periodic statements must be delivered at least 21 days before the payment due date, including the periodic statement and corresponding tracking number to confirm timely delivery. I have attached proof of the inaccuracies and highlighted them in red for your convenience. I trust that you will handle this matter promptly and in compliance with all applicable federal regulations. I look forward to receiving a response within 30 days of the date of this letter. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-06 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: CA

Complaint narrative:
My account with EQUIFAX EXPERIAN was never late! I have had exceptional payment history all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. EQUIFAX EXPERIAN Never Sent the periodic statement along with the disclosures from section 1637 ( b ). I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

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 2025-08-06 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be 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