vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-28 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: NC

Complaint narrative:
" I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. 

As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly. ''

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 2025-07-28 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: CA

Complaint narrative:
I take my credit seriously, and I'm really concerned about the inaccuracies on my credit report. These errors are causing me a lot of stress and are impacting my ability to get new credit. Additionally, I am also writing to request the correction of inaccurate personal information as I've noticed that these errors may have contributed to the issues with my credit applications, which is extremely frustrating. I've worked hard to build my credit, and it's disappointing to see it affected by mistakes that aren't my fault. It's getting me anxious. I want you to get this fixed as soon as possible because I don't want any more damage to be done.

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 2025-07-28 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CCS Financial Services, Inc.
State: GA

Complaint narrative:
* I received a call from XXXX in XXXX advising about an auto accident I was allegedly involved in. The driver was XXXX XXXX ( Georgia accident report # XXXX ; his drivers license # XXXX * I do not have XXXX insurance. 
* XXXX XXXX XXXX XXXX investigated and said a policy was taken out in my name on XXXX. 
* XXXX of the vehicles on the policy was in an accident. 
* I told XXXX I was not involved, do not own or drive any vehicle listed on the policy, and do not know anyone who is a listed driver or the named insured. 
* XXXX advised me that I was a victim of identity theft. I never heard from XXXX or the credit bureau they sent the account to for collections. 
* On XX/XX/XXXX, I received alerts via email from multiple credit bureaus that XXXX sent the fraudulent policy outstanding charges, over {$700.00}, to collections. 
* The fraudulent policy is now on my credit reports. 
* I need the fraudulent policy removed from my credit reports. 
* XXXX provided me with the information for the policy taken out : * Drivers : XXXX XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. 
* XXXX policy XXXX start date XXXX cancelled XXXX. 
* Additional address : XXXX XXXX XXXX XXXX XXXX Atl XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: WA

Complaint narrative:
I am formally requesting to dispute the unauthorized and inaccurate information currently appearing on my credit report. After a thorough review of the report, I have identified several significant discrepancies that are not reflective of my actions or financial history. Specifically, these inaccuracies involve accounts I never opened, personal information that is incorrect, and inquiries made without my consent. I kindly request your investigation and removal of the following items : Inquiries : XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Accounts : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Personal Information : Address : XXXX XXXX XXXX XXXXXXXX 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 XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: NJ

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

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 2025-07-28 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This letter serves as my final demand concerning the persistent and egregious inaccuracies on my credit report. Your ongoing failure to rectify these inaccuracies is severely harming my ability to obtain credit. Under the Fair Credit Reporting Act, any disputed item lacking proper evidence must be removed from my credit report immediately. 

Please be advised that your failure to respond with proper validation, failure to provide notice of my dispute to the credit bureaus, failure to notify me within 5 days of initially reporting AND of re-reporting this account to the credit bureaus, as well as your persistent, malicious and frivolous collection activity, are all in violation of the FCRA : " Of course, if a dispute is received after a debt has been reported to a consumer reporting agency, the debt collector is obligated by Section 1692e ( 8 ) to inform the consumer reporting agency of the dispute. You also violated the FCRA 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] " ( 3 ) Duty to provide notice of dispute. If the completeness or accuracy of any information furnished by any person to any consumer reporting agency is disputed to such person by a consumer, the person may not furnish the information to any consumer reporting agency without notice that such information is disputed by the consumer. '' You are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate and/or unverifiable information currently listed on my TransUnion credit report dated XX/XX/XXXX ( XXXX XXXX : XXXX ). Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I am requesting a reinvestigation and removal of the following accounts due to errors that are not reporting 100 % accurately : XXXX XXXX XXXX * * This account shows a : XXXX late payment from XX/XX/XXXX XXXX late payment from XX/XX/XXXX XXXX late payment from XX/XX/XXXX These items are not reporting 100 % accurately. Please investigate and remove them under FCRA Section 611. 

XXXX XXXX XXXXXXXX XXXX XXXX  This account shows a : XXXX late payment from XX/XX/XXXX XXXX late payment from XX/XX/XXXX These items are not reporting 100 % accurately. Please investigate and remove them under FCRA Section 611. 

XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX  This account shows a : XXXX late payment from XX/XX/XXXX This item is not reporting 100 % accurately. Please investigate and remove it under FCRA Section 611. 

XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX This account shows a : XXXX late payment from XX/XX/XXXX This item is not reporting 100 % accurately. Please investigate and remove it under FCRA Section 611. 

I respectfully request that you conduct a thorough reinvestigation of these items and remove any inaccurate or unverifiable information within the XXXX period required by law. Please send me a copy of the updated credit report reflecting the changes once your investigation is complete.

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 2025-07-28 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: GA

Complaint narrative:
I am writing to formally dispute inaccurate and/or unverifiable information currently listed on my TransUnion credit report dated XX/XX/XXXX ( XXXX XXXX : XXXX ). Under the Fair Credit Reporting Act ( FCRA ), specifically Section 611 ( 15 U.S.C. 1681i ), I am requesting a reinvestigation and removal of the following accounts due to errors that are not reporting 100 % accurately : XXXX XXXX XXXX * * This account shows a : XXXX late payment from XX/XX/XXXX XXXX late payment from XX/XX/XXXX XXXX late payment from XX/XX/XXXX These items are not reporting 100 % accurately. Please investigate and remove them under FCRA Section 611. 

XXXX XXXX XXXXXXXX XXXX XXXX  This account shows a : XXXX late payment from XX/XX/XXXX XXXX late payment from XX/XX/XXXX These items are not reporting 100 % accurately. Please investigate and remove them under FCRA Section 611. 

XXXX XXXXXXXX XXXX XXXX  XXXXXXXX XXXX XXXX  This account shows a : XXXX late payment from XX/XX/XXXX This item is not reporting 100 % accurately. Please investigate and remove it under FCRA Section 611. 

XXXX XXXX  XXXX XXXX XXXXXXXX XXXX XXXX This account shows a : XXXX late payment from XX/XX/XXXX This item is not reporting 100 % accurately. Please investigate and remove it under FCRA Section 611. 

I respectfully request that you conduct a thorough reinvestigation of these items and remove any inaccurate or unverifiable information within the XXXX period required by law. Please send me a copy of the updated credit report reflecting the changes once your investigation is complete.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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:
Hello, I hope this message finds you well. I am reaching out to express my concern regarding a late payment recorded in my account that requires correction. I am requesting once again for the necessary adjustments to be made to rectify the account with the late payment. According to legal requirements, I understand that an investigation or update of the account is mandated. Kindly review the listed account below that requires correction : XXXXXXXX XXXX XXXX XXXXXXXX XXXX {$8800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: MRS BPO, LLC
State: MI

Complaint narrative:
My name is XXXX XXXX, and I am writing to formally dispute a fraudulent and unauthorized collection account that has been reported on my credit file. 
I recently discovered a collection account from Mrs BPO LLC in the amount of {$1400.00}, dated XX/XX/year>, which I do not recognize. I have never had any business relationship with this company and have no knowledge of this debt. I believe I am a victim of identity theft and request that this account be removed from my credit report immediately. Please consider this letter a formal dispute under the Fair Credit Reporting Act ( FCRA ) and initiate an investigation into this matter. I request that you : Remove the fraudulent collection account from my credit file, Provide me with all documentation used to verify this debt, Identify the original creditor and verify the legitimacy of the debt. 



Below is my information for identification purposes : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX, Michigan XXXX XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-28 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 don't agree with the account listed below which still appears on my credit report, even after your Investigation. I would like this account immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
Furthermore, In accordance with The Fair Credit Reporting Act, Public law XXXX, XXXX VI, Section XXXX, Subsection A-D, please provide the names and business addresses of each individual with whom you verified the above, so that I may follow up. 
Please forward me an updated credit report after you have completed your Investigation and corrections. 
Your cooperation and prompt attention are greatly appreciated. 

Account name : XXXX Account 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 2025-07-28 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Company explaining amount owed
Company: APG Financial Inc
State: TN

Complaint narrative:
On XX/XX/year> APG Financial/ Markosian Auto repo my jeep grand XXXX. I called my attorney and he called XXXX XXXX XXXX XXXX XXXX. They.said I owed over {$600.00}. I said that was a lie. I was not behind or owed that much. She asked me if I going to pay it? I said no. She told me I had 7 days to clean out the vechile. Plus, It wasn't behind or 30 days before they came.and got.it. I have emailed.and called and have got.no response. They admitted they screwed up and also caused me.to get evicted. They say and do what they want and tell you something different. 
They have on my credit report as a repo but it says never late or missed payments. So why was it repo.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
XX/XX/XXXX I was scammed out of my money {$70.00} to be exact. It was for a hair appointment. I was blocked on social media and text. I provided proof of that and the bank did nothing. I never received the service.

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 2025-07-28 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: CA

Complaint narrative:
I disputed XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year> with supporting documents. The credit bureau did not complete its investigation within 30 days and provided no verifiable proof. I request deletion or correction and enforcement action against the bureaus/furnisher.

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 2025-07-28 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 report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-28 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: AZ

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX CC : [ Equifax/Experian/TransUnion Subject : Formal Dispute Request for Immediate Deletion of All Accounts Due to Identity Theft and Privacy Violations under 15 U.S.C. 1681 ( FCRA ) To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of all accounts and personal information from my credit report that were obtained and reported as a result of identity theft and a data breach, in violation of my federally protected privacy rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Under 15 U.S.C. 1681b, credit reporting agencies are strictly limited in how they obtain and share consumer information. My personal and financial information was compromised without my consent in a known or suspected data breach, and it has been used to open unauthorized accounts in my name.

According to 15 U.S.C. 1681c-2, a consumer has the right to request the blocking or removal of any information resulting from identity theft. I am exercising that right now. I am also referencing my filed FTC Identity Theft Report as evidence. ( FTC Report # : XXXX Actions Requested : 1. Delete all tradelines, inquiries, collections, late payments and other data associated with fraudulent use of my identity from my credit report.

2. Cease all further reporting and sharing of any such unauthorized or unverifiable information.

3. Confirm removal and provide an updated copy of my credit report with all disputed information deleted.

Failure to comply may result in further complaints filed with the FTC, state attorney general, and potential civil action for continued FCRA violations.

I appreciate your prompt attention to this matter and expect full compliance within the FCRA-prescribed timeline. 
Sincerely, 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 2025-07-28 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: AZ

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXX XXXX XXXX XXXX XXXX CC : [ Equifax/Experian/TransUnion Subject : Formal Dispute Request for Immediate Deletion of All Accounts Due to Identity Theft and Privacy Violations under 15 U.S.C. 1681 ( FCRA ) To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of all accounts and personal information from my credit report that were obtained and reported as a result of identity theft and a data breach, in violation of my federally protected privacy rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ).

Under 15 U.S.C. 1681b, credit reporting agencies are strictly limited in how they obtain and share consumer information. My personal and financial information was compromised without my consent in a known or suspected data breach, and it has been used to open unauthorized accounts in my name.

According to 15 U.S.C. 1681c-2, a consumer has the right to request the blocking or removal of any information resulting from identity theft. I am exercising that right now. I am also referencing my filed FTC Identity Theft Report as evidence. ( FTC Report # : XXXX Actions Requested : 1. Delete all tradelines, inquiries, collections, late payments and other data associated with fraudulent use of my identity from my credit report.

2. Cease all further reporting and sharing of any such unauthorized or unverifiable information.

3. Confirm removal and provide an updated copy of my credit report with all disputed information deleted.

Failure to comply may result in further complaints filed with the FTC, state attorney general, and potential civil action for continued FCRA violations.

I appreciate your prompt attention to this matter and expect full compliance within the FCRA-prescribed timeline. 
Sincerely, XXXX XXXX XXXX : XXXX XXXX

Company response to consumer: Closed with explanation