vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-11 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: IL

Complaint narrative:
I am a victim of XXXX  XXXX and ongoing financial abuse. During my relationship, my abuser coerced me into opening accounts and mismanaged them without my consent. Some accounts may have been opened or used in my name under pressure, without my full understanding, or in ways I could not control due to threats, manipulation, or fear for my safety. 

I am currently living in a XXXX  XXXX XXXX  and have no income. I am working with case managers and legal advocates to recover and rebuild my life, but these accounts are severely impacting my ability to secure stable housing and employment. 

I respectfully request the removal of these accounts from my credit report, as they were incurred due to financial abuse. 

Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute inaccurate or incomplete information on my credit report, and as a victim of XXXX  XXXX, I am entitled to protections under Section 605A of the FCRA, which prohibits the reporting of certain information that could be harmful to survivors of XXXX  XXXX. Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I am protected from abusive debt collection practices, which I have experienced as a result of this financial abuse. 

I am willing to provide documentation from my shelter or advocate confirming my status as a XXXX  XXXX survivor and request the immediate removal of the accounts linked to this period of abuse. 

Please consider my situation under the Violence Against Women Act ( VAWA ), which offers financial protections to victims of XXXX  XXXX, including the removal of harmful financial information related to the abuse.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: Diversified Adjustment Service, Inc.
State: MO

Complaint narrative:
i paid off my XXXX  bill an XXXX, its was suppose to be paid in deletion off my credit and they will not deleted information. 

also paid XXXX XXXX settle for less and they for XXXX and will deleted off my report at & t for XXXX, advise them i had that account in XXXX its no way that account should be still reporting and saying it only be opening for 3 years when i move and not have service since 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 2025-04-11 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: FC HoldCo LLC
State: MO

Complaint narrative:
i paid off my XXXX bill an XXXX, its was suppose to be paid in deletion off my credit and they will not deleted information. 

also paid XXXX XXXX settle for less and they for XXXX and will deleted off my report XXXX XXXX XXXX  for XXXX, advise them i had that account in XXXX its no way that account should be still reporting and saying it only be opening for 3 years when i move and not have service since 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 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Equifax continues to report a collection account ( XXXX XXXX XXXX Account No. XXXX ) despite my formal dispute challenging its accuracy and legal validity. I requested a reinvestigation under the Fair Credit Reporting Act ( FCRA ) and demanded supporting documentation. To date, no contract or legally valid documentation has been provided. The verification conducted was automated and fails to meet the reasonable investigation standard under 15 U.S.C. 1681i, as interpreted in XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX Cir. 1997 ). 

Since this debt is being reported by a third-party collection agency, I also submitted a debt validation request under 15 U.S.C. 1692g ( b ) of the FDCPA. No documentation was ever provided. Continued reporting without proper validation constitutes : FCRA 15 U.S.C. 1681i ( a ) ( 5 ) ( A ) Failure to delete unverifiable information.

FCRA 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy.

FDCPA 15 U.S.C. 1692e ( 8 ) Reporting information known to be inaccurate or unverified. 

XXXX XXXX XXXX. XXXX Deceptive and abusive reporting practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: CO

Complaint narrative:
I am writing to formally address the ongoing noncompliance of your agency in relation to my identity theft report, which I previously submitted in accordance with the Fair Credit Reporting Act ( FCRA ). Despite having sent several letters, your agency has repeatedly rejected my identity theft report on the grounds that it was not filed by a law enforcement agency. This decision is not in compliance with the FCRA and fails to recognize the guidance provided by XXXX  as mandated by the Consumer Financial Protection Bureau ( CFPB ). 

As you are aware, the FCRA at Section 605B and the guidance provided by the CFPB under XXXX clearly outline the process for filing an identity theft report. The CFPB specifically states that victims of identity theft can file a report directly through XXXX, which then becomes a valid identity theft report under the FCRA. Nowhere does the FCRA require this report to be submitted by law enforcement for it to be valid. 

Furthermore, under FCRA Section 617, your agency is legally required to investigate and resolve any identity theft dispute in a timely manner, and you are prohibited from deciding unilaterally what is valid or invalid when it comes to an identity theft report that has been properly filed. Your refusal to acknowledge this report based on your own standardsrather than what is set forth in federal lawis a clear violation of the FCRA. 

Legal Precedent : 1XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case underscores the importance of proper handling of disputes related to credit reporting and emphasizes that credit reporting agencies can not disregard information simply based on their own internal policies when federal law mandates a specific process. 
2.XXXX  v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX. XXXX ) : This case reinforced that credit reporting agencies must follow FCRA regulations, including investigating claims of identity theft in accordance with the law, and can not arbitrarily determine what constitutes an acceptable identity theft report. 
3.XXXX v. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX ( XXXX. XXXX XXXX ) : This decision clarified that a credit reporting agency is obligated to accept documents submitted by the consumer, as long as they meet the legal requirements for disputing inaccurate information under the FCRA. 
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 2025-04-11 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: TX

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX -- {$3200.00} XXXX  XXXX XXXXXXXX XXXX XXXX XX/XX/XXXX -- {$3700.00} XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX -- {$6700.00}

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 explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Experian failed to conduct a reasonable reinvestigation into a disputed collection account ( XXXX XXXX XXXX Account No. XXXX ). Despite my dispute and the lack of any legal validation, the account remains on my credit file. This violates FCRA 15 U.S.C. 1681i and fails to meet the standard set in XXXX v. United States, 853 F.3d 1012 ( 10th Cir. 2017 ), which requires substantial documentary evidence when affecting a consumers financial standing.

Under 15 U.S.C. 1681i ( a ) ( 7 ), I requested a detailed description of verification procedures and copies of all documentation used. This request was ignored. The debt has also not been validated under FDCPA 15 U.S.C. 1692g ( b ), which further invalidates its continued 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 2025-04-11 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Rent Recovery Solutions
State: NC

Complaint narrative:
I previously filed a complaint against Rent Recovery Solutions ( RRS ) for reporting a disputed rental debt to the credit bureaus. In response, RRS acknowledged they were in possession of documents validating the debt but refused to provide them through the CFPB portal. Instead, they demanded that I request validation via U.S. Mail.

RRS closed the complaint without ever providing any verification documents either through the CFPB portal or directly to me. This is not only evasive but also a failure to meet their obligations under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). 


Under FDCPA 809 ( b ) [ 15 U.S.C. 1692g ( b ) ], I have the right to request validation of the debt, and RRS must provide it in a reasonable, documented manner. No provision of federal law requires that validation be restricted to postal mail.

Under FCRA 623 ( a ) ( 1 ) ( A ) and 623 ( b ) [ 15 U.S.C. 1681s-2 ], Rent Recovery Solutions is obligated to : Report only accurate, verifiable information Conduct a reasonable investigation Correct or delete unverifiable or disputed data Provide results to all CRAs if a correction is made Rent Recovery Solutions failed to provide documentation when requested, and then closed the CFPB complaint without offering a resolution or completing the verification process.

In their response, RRS stated the carpet charge was prorated a partial admission but then refused to provide supporting documentation unless I made a separate written request by mail. This contradiction suggests that RRS is capable of discussing the alleged debt in writing through the CFPB portal, but selectively withholds full verification in order to avoid oversight. Partial commentary without full documentation does not satisfy FDCPA 809 ( b ) and raises questions about the legitimacy of the charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX.
IS IN VIOLATION OF 15 USC 1692(c)(A).  A DEBT COLLECTOR MAY NOT COMMUNICATE WITH A CONSUMER IN CONNECTION WITH THE COLLECTION OF ANY DEBT.


 WESTERN EXPRESS INC.
HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AN CONFIDENTIALITY UNDER 15 USC 1681 SECTION 602. THEY HAVE SHARED MY INFORMATION WITH XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-11 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX.
IS IN VIOLATION OF 15 USC 1692(c)(A).  A DEBT COLLECTOR MAY NOT COMMUNICATE WITH A CONSUMER IN CONNECTION WITH THE COLLECTION OF ANY DEBT.


 WESTERN EXPRESS INC.
HAS VIOLATED MY FEDERALLY PROTECTED CONSUMER RIGHTS TO PRIVACY AN CONFIDENTIALITY UNDER 15 USC 1681 SECTION 602. THEY HAVE SHARED MY INFORMATION WITH 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 2025-04-11 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: FL

Complaint narrative:
I am filing this complaint regarding the reporting and handling of my federally serviced student loans by XXXX. Specifically, I am raising serious concerns about the privacy, disclosure, and sharing of my nonpublic personal information, in direct relation to provisions outlined under the Gramm-Leach-Bliley Act, particularly 15 U.S.C. 6801 and 6802. To date, I have not received clear disclosures, consent requests, or privacy notices regarding how my personal and loan-related data has been stored, accessed, or potentially shared. This is especially concerning given the expanding use of third-party contractors, data integrations, and the increasing digital exposure of federally serviced accounts. Any sharing of my information without strict compliance with 15 U.S.C. 6802 constitutes a direct violation of federal privacy 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 2025-04-11 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: FL

Complaint narrative:
I am filing this complaint regarding the reporting and handling of my federally serviced student loans by XXXX. Specifically, I am raising serious concerns about the privacy, disclosure, and sharing of my nonpublic personal information, in direct relation to provisions outlined under the Gramm-Leach-Bliley Act, particularly 15 U.S.C. 6801 and 6802. To date, I have not received clear disclosures, consent requests, or privacy notices regarding how my personal and loan-related data has been stored, accessed, or potentially shared. This is especially concerning given the expanding use of third-party contractors, data integrations, and the increasing digital exposure of federally serviced accounts. Any sharing of my information without strict compliance with 15 U.S.C. 6802 constitutes a direct violation of federal privacy law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: FL

Complaint narrative:
I am filing this complaint regarding the reporting and handling of my federally serviced student loans by XXXX. Specifically, I am raising serious concerns about the privacy, disclosure, and sharing of my nonpublic personal information, in direct relation to provisions outlined under the Gramm-Leach-Bliley Act, particularly 15 U.S.C. 6801 and 6802. To date, I have not received clear disclosures, consent requests, or privacy notices regarding how my personal and loan-related data has been stored, accessed, or potentially shared. This is especially concerning given the expanding use of third-party contractors, data integrations, and the increasing digital exposure of federally serviced accounts. Any sharing of my information without strict compliance with 15 U.S.C. 6802 constitutes a direct violation of federal privacy 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 2025-04-11 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: TX

Complaint narrative:
I am filing this complaint to report inaccurate and incomplete information being reported by a creditor to the credit bureaus regarding a credit card account. 

The account in question is listed as charged off as bad debt, yet it shows no payment history at all which is essential to validate such a status. The absence of payment history makes the reporting incomplete and misleading, in violation of the Fair Credit Reporting Act ( FCRA ) Sections 609 and 611, which require all reported information to be accurate, complete, and verifiable.

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 2025-04-11 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: IL

Complaint narrative:
According to my research about FCRA 605, Credit Bureaus are required by law to remove & block any items which are found to be opened due to identity theft. Again, it appears that my credit with you has been compromised, these items being reported are creating a ton of emotional & financial stress which is impacting my ability to sleep, causing problems at my job & creating unwanted stress in my home life. The following items that you must remove are listed below 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/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 2025-04-11 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: GA

Complaint narrative:
This morning, I was extremely frustrated to find an unauthorized inquiry on my credit report with no explanation. I check my report regularly, and this sudden discrepancy is deeply concerning. I even refreshed the page thinking it might be a glitch, but the issue stayed. I need this resolved immediately, and I demand a thorough review of the documents Ive already submitted so I can stop stressing over this.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 00:00:00
Product: Debt collection — Private student loan debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Debt Collectors International, Inc.
State: MD

Complaint narrative:
XXXX XXXX XXXX : XX/XX/XXXX claimed I owed them the full amount of {$8200.00} for their course. I asked them to provide proof that I owed this full amount over the phone and they were not able to. They also never got back to me. Also, this company falsely advertises their services. 

DebtCollectors International : XX/XX/XXXX started collections on this full amount, for which there is no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: AL

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least 21 days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit 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 2025-04-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
On XX/XX/year>, I saw a pending charge by XXXX for a high amount of fee and few days later after it was posted, I filed a dispute with my bank for a {$250.00} charge from XXXX, as I had not received any refund at the time. Although I later received a partial refund of {$120.00} directly from XXXX, I still need to resolve the remaining {$120.00}. However, my bank closed my dispute almost immediately, citing a vague statement about my XXXX XXXX  and merchant policies. They advised me to contact XXXX directly, but I had already done that, and I believe my bank should have continued investigating the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-11 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: MI

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. i had XXXX late payments on an account that i was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy. this account has not been late on payments I've attached a copy of my report to this complaint on the following date, Experian is reporting a Late Payment for XX/XX/year>, Equifax and Transunion are reporting a Late Payment for XX/XX/year>. I'm now requesting you investigate this account and update these payments to paid on time immediately. Thank you for your understanding and prompt action.

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