vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-03 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: CORELOGIC INC
State: TX

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am submitting this formal complaint to the Consumer Financial Protection Bureau ( CFPB ) regarding the agencies XXXX, XXXX XXXX, and CoreLogic Credco, for their continued publication and distribution of inaccurate, incomplete, and unverifiable information within my consumer data files. 

Upon careful review of my reports from these agencies, I identified multiple tradelines, inquiries, and data inconsistencies that fail to meet the legal and technical standards established under the Fair Credit Reporting Act ( FCRA 609, 611, and 623 ) and CDIA Metro 2 compliance guidelines. These inaccuracies include unverified creditors ( such as XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ), erroneous account dates, incorrect balances, and inquiries that can not be lawfully justified. 

Each of these agencies has failed to provide verifiable documentation or certified audit trails proving that the information reported was obtained from legitimate furnishers in compliance with FCRA 623 ( a ) ( 1 ) ( A ) and the Equal Credit Opportunity Act ( ECOA ). This ongoing reporting not only misrepresents my financial profile but also constitutes a violation of my right to maximum possible accuracy under FCRA 607 ( b ).

Furthermore, the continued inclusion of derogatory, outdated, or unverifiable data within their systems has caused measurable harm to my credit reputation and my ability to access fair lending opportunities. These agencies appear to have granted reporting privileges to data furnishers without proper Metro 2 validation, and without following the required dispute-handling procedures outlined in FCRA 611 ( a ).

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 2025-11-03 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: VA

Complaint narrative:
I am requesting a review of the following accounts and inquiries listed on my Equifax credit report. Please verify the accuracy of the items and ensure compliance with the Fair Credit Reporting Act. If any of the items can not be verified, they should be removed or corrected. 

Charged Off Accounts : 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 non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report.

Furthermore, under 15 U.S. Code 1681i ( 5 ) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report.

Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

Moreover, under the Fair Credit Billing Act, my right to privacy has been violated, and this breach infringes upon my rights as outlined in The Privacy Act of 1974. Removing the inaccurate and fraudulent information from my credit report will help restore my privacy and prevent further violations.

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 2025-11-03 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: EQUIFAX, INC.
State: MI

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX and TransUnion have continued to furnish and report inaccurate, unverified, and misleading information concerning an alleged account, causing ongoing harm to Claimants credit standing and financial reputation. 


TransUnion, LLC has willfully and negligently violated the Fair Credit Reporting Act ( FCRA ) by failing to update and correct inaccurate information after receiving direct notice that the debt in question has been deleted and declared invalid by the original furnisher, XXXX XXXX XXXX. 

Specifically : XXXX. XXXX XXXX XXXX, the original furnisher, confirmed in writing that the alleged account has been deleted and is not a valid debt. 
2. This deletion was communicated to all consumer reporting agencies, including TransUnion, under their duty to update data pursuant to 15 U.S.C. 1681s-2 ( b ) ( 1 ) ( D ), which requires furnishers to delete or modify information found to be inaccurate or unverifiable.

3. Despite this, TransUnion continues to report the deleted XXXX XXXX account, thereby publishing false, inaccurate, and outdated information about Claimant. 
4. This constitutes a violation of 15 U.S.C. 1681i ( a ) ( failure to reinvestigate and correct inaccurate data ) and 15 U.S.C. 1681e ( b ) ( failure to maintain reasonable procedures to assure maximum possible accuracy ).

5. TransUnions continued reporting of a deleted account demonstrates willful noncompliance under 15 U.S.C. 1681n, as it has ignored its statutory obligation to promptly update and delete inaccurate data.

As a result, Claimant has suffered credit denials, emotional distress, and reputational injury due to TransUnions negligence and willful disregard of federal law.

this item was removed from XX/XX/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 2025-11-03 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: NJ

Complaint narrative:
I submitted a formal written dispute to the credit reporting agency regarding inaccurate and/or unverifiable information appearing on my credit report. According to 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), the credit reporting agency is required to conduct a reasonable reinvestigation of the disputed items and provide the results within 30 days of receiving the dispute.

It has been over 30 days since my dispute was received, yet the agency failed to provide the required reinvestigation results or any written notice explaining a delay. This constitutes a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

Additionally, I have reason to believe my nonpublic personal information was accessed, shared, or used without proper authorization or disclosure, in violation of the Gramm-Leach-Bliley Act ( GLBA ), 15 U.S.C. 6802, which governs obligations with respect to the disclosure of personal information. I was not provided with a clear privacy notice, nor given the option to opt out of sharing my data with third parties. This further supports my claim that my consumer rights under federal law have been violated.

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 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CREDIT ACCEPTANCE CORPORATION
State: DC

Complaint narrative:
XXXX XXXX XXXX XXXX. 
XXXX XXXX XXXX XXXX Washington XXXX DC XXXX [ Date ] XX/XX/year> Credit Acceptance Re : Account XXXX XXXX Request for Debt Validation To whom it may concern : I am writing regarding the account referenced above. I have not received any written notice from your company identifying the alleged debt, the creditor, or the amount claimed, as required by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( a ).

Accordingly, I formally request that you provide full validation and verification of the alleged debt, including but not limited to : 1. The total amount of the alleged debt, including an itemized breakdown of all interest, fees, and charges ; 2. The name and address of the original creditor, and any prior owners or assignees of the debt ; 3. A copy of the original signed agreement or other document showing I am legally obligated to pay ; 4. Documentation establishing your authority to collect this debt, including the chain of title or assignment ; 5. Proof that the statute of limitations for collection has not expired ; and 6. Proof that you are licensed to collect debts in the District of Columbia.

Until you provide the requested validation, please cease all collection activity, including calls, letters, and any reporting to credit bureaus. If this debt has already been reported, it must be marked as disputed until verification is provided.

Please send all written correspondence to the address listed above. 
Sincerely, 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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I am deeply frustrated to see that the inaccurate accounts are still appearing on my credit report even after everything Ive done. I am begging that the documents Ive attached be carefully reviewed so I can finally stop stressing about this.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: NJ

Complaint narrative:
I am disputing the following charged-off accounts on my Equifax credit report, as they appear to be inaccurately reported or require further investigation : XXXX XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$580.00} XXXX  XXXX XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$610.00} XXXX  XXXX  Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$460.00} XXXX XXXX XXXX Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$670.00} Additionally, the following inquiry is disputed as it XXXX not be accurately reflecting my authorization : XXXX  Date : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Monterey Financial Services LLC
State: FL

Complaint narrative:
MONTEREY is falsely reporting on my credit. I have never had any accounts with them. Per my research MONTEREYis a debt collector. They are falsely reporting on my credit!! Account number is XXXX is falsely reporting to my credit file and is against my rights and fair credit act. Under U.S Code 1618d - Disclosure of investigation consumer report ; you are in violation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: PA

Complaint narrative:
I requested that the XXXX bureaus update my legal name and address. They did not complete as they needed additional information which I am providing here.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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: MA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-11-03 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) 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.

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 2025-11-03 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: TX

Complaint narrative:
THIS IS INACCURATE LATE PAYMENT.I WAS NEVER BEEN LATE.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: MD

Complaint narrative:
I am disputing the Cavalry Portfolio Services account ending in XXXX for {$4800.00}. I do not recall having any account, agreement, or business with XXXX. I did not authorize XXXX to hold, use, share, buy, sell, or report any information connected to this account. 

I requested validation, and XXXX did not provide proof that they legally own this account. No contract with a signature and no bill of sale identifying this specific account were provided. 

Continuing to report this account without proof is a breach of data and a violation of FDCPA 809 ( b ) and FCRA 611 & 623.

I rebut and do not accept any presumption that this account is mine. No proof= No right to report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-03 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Problem with customer service — 
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Ive been trying to log in Experian for the past month and every time I call I cant get ahold of them. They have been charging me for a while and I cant get access to them and every time I call customer they hang up on 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 2025-11-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am submitting this formal complaint under the authority of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding multiple negative accounts and inquiries appearing on my credit reports that are inaccurate, unauthorized, and unverified.

Pursuant to my rights under 15 U.S.C. 1681i ( FCRA Section 611 ), I am disputing the accuracy and validity of all negative items currently reported by any third party on my consumer credit files. These accounts were not authorized by me, and I did not consent to share my personal or financial information with the entities reporting them. Therefore, such accounts constitute violations of my privacy and my rights under the FCRA.

Furthermore, the credit reporting agencies and furnishers of this data have a legal obligation under 15 U.S.C. 1681e ( b ) to maintain maximum possible accuracy in all credit reporting. Reporting unverified or inaccurate information constitutes a breach of this statutory duty.

Additionally, under 15 U.S.C. 1692e ( FDCPA ), no debt collector or furnisher may use any false, deceptive, or misleading representation regarding a consumers alleged debt. Reporting or continuing to report accounts that are not properly verified or authorized falls under this prohibition.

I am therefore demanding that : 1. Each negative or derogatory account and inquiry on my credit reports be immediately investigated.

2. Any account or entry that can not be fully verified with documented proof of my authorization be deleted from my credit files with Equifax, Experian, and TransUnion.

3. I be provided with written confirmation of the investigation results and any deletions or corrections made.

Failure to comply with these federal requirements may constitute further violations under the FCRA and FDCPA, and I reserve my right to seek legal remedies if this issue is not resolved promptly.

I appreciate your attention and prompt action in ensuring full compliance with the law and the protection of my consumer rights.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-03 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 submitting this formal complaint under the authority of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) regarding multiple negative accounts and inquiries appearing on my credit reports that are inaccurate, unauthorized, and unverified.

Pursuant to my rights under 15 U.S.C. 1681i ( FCRA Section 611 ), I am disputing the accuracy and validity of all negative items currently reported by any third party on my consumer credit files. These accounts were not authorized by me, and I did not consent to share my personal or financial information with the entities reporting them. Therefore, such accounts constitute violations of my privacy and my rights under the FCRA.

Furthermore, the credit reporting agencies and furnishers of this data have a legal obligation under 15 U.S.C. 1681e ( b ) to maintain maximum possible accuracy in all credit reporting. Reporting unverified or inaccurate information constitutes a breach of this statutory duty.

Additionally, under 15 U.S.C. 1692e ( FDCPA ), no debt collector or furnisher may use any false, deceptive, or misleading representation regarding a consumers alleged debt. Reporting or continuing to report accounts that are not properly verified or authorized falls under this prohibition.

I am therefore demanding that : 1. Each negative or derogatory account and inquiry on my credit reports be immediately investigated.

2. Any account or entry that can not be fully verified with documented proof of my authorization be deleted from my credit files with Equifax, Experian, and TransUnion.

3. I be provided with written confirmation of the investigation results and any deletions or corrections made.

Failure to comply with these federal requirements may constitute further violations under the FCRA and FDCPA, and I reserve my right to seek legal remedies if this issue is not resolved promptly.

I appreciate your attention and prompt action in ensuring full compliance with the law and the protection of my consumer rights.

Company response to consumer: Closed with explanation