vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-24 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: PA

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint against Experian, Equifax, and TransUnion for continuing to report multiple derogatory, inaccurate, and disputed accounts that are causing serious harm to my credit profile, rental applications, and auto financing opportunities. 

These accounts have been previously disputed and are still appearing, even though the furnishers have failed to provide proper validation under federal law. At this point, the information being reported is unverified, incomplete, and potentially incorrect, and it must be deleted. 

The following credit reporting violations are taking place : FCRA 611 ( a ) Any information that can not be verified must be deleted FCRA 611 ( a ) ( 5 ) ( B ) If an item is reinserted after deletion, I must be notified in writing ( which never happened ) FCRA 623 ( b ) Furnishers are not responding to disputes with proper documentation FCRA 607 ( b ) Duplicate or misleading reporting is being allowed by the bureaus FCRA 605B Items possibly linked to past fraud or breach should be suppressed The accounts in question include : XXXX XXXX  Multiple entries for the same debt ; already disputed and reappearing XXXX  / XXXX XXXX Account not recognized at all XXXX XXXX XXXX account with unresolved issues Discover, XXXX, XXXX XXXX, XXXX, XXXX, XXXX, XXXX Charged-off, sold, or closed but still reported derogatorily XXXX  XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX XXXX Closed or paid accounts still reported as delinquent or past due I am demanding that all of the above accounts be permanently deleted within 30 days. If the bureaus and data furnishers are unable to verify these accounts with full legal documentation, then by law, they must be removed. 

You are not authorized to update, reinsert, or retain any of this disputed information unless you can fully verify its accuracy and ownership. If you can not match or validate this information through your internal systems or third-party data, it is your legal responsibility to delete it. 

I expect : 1. Immediate investigation into the violations above 2. Permanent deletion of all unverifiable or unresolved items 3. Written confirmation of deletion within 30 days 4. Enforcement penalties under FCRA 616 and 617 for failure to comply If this is not resolved promptly, I will escalate this case to state and federal regulators and seek legal remedies for ongoing harm.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
The credit bureaus are continuing to report a charged-off auto loan from XXXX XXXX with a balance of {$14000.00}, even though the original creditor issued a 1099-C in 2023 and claimed the debt as canceled on our tax return. This debt was legally forgiven, yet all three bureaus continue to update it monthly, which is misleading, inaccurate, and harmful to my credit. This violates the Fair Credit Reporting Act ( FCRA ) because it falsely represents a canceled debt as active and collectible. To make matters worse they didnt do a thorough and proper investigation. No proof at all. Now wet signatures or anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: NY

Complaint narrative:
The credit bureaus are continuing to report a charged-off auto loan from XXXX XXXX with a balance of {$14000.00}, even though the original creditor issued a 1099-C in 2023 and claimed the debt as canceled on our tax return. This debt was legally forgiven, yet all three bureaus continue to update it monthly, which is misleading, inaccurate, and harmful to my credit. This violates the Fair Credit Reporting Act ( FCRA ) because it falsely represents a canceled debt as active and collectible. To make matters worse they didnt do a thorough and proper investigation. No proof at all. Now wet signatures or anything.

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 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Phillips & Cohen Associates, Ltd.
State: CA

Complaint narrative:
I am writing to formally request debt validation for a collection account mentioned in a letter I recently received. Under my rights through the Fair Debt Collection Practices Act ( FDCPA ), I ask that your office provide clear proof that the debt is valid. This should include the name of the original creditor, the amount owed, a full payment record, and proof that I am responsible for this debt. 

I am making this request to ensure the information being reported is accurate and not the result of a mistake, fraud, or confusion. While waiting for proper validation, I ask that you pause all collection activity and reporting related to this account, as allowed by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX - XXXX XXXX  XXXX XXXX XXXX XXXX List of Unauthorized Inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 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 2025-07-24 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: VA

Complaint narrative:
I am filing this complaint because the consumer reporting agency failed to meet its obligations under 15 U.S.C. 1681i ( a ) ( 7 ) of the Fair Credit Reporting Act ( FCRA ), which requires the agency to provide, upon request, a detailed description of the reinvestigation procedures used to verify disputed information. I specifically requested the name and contact information of the furnisher, the identity of the person the agency communicated with, and the documentation used to confirm the accuracy of the disputed account. The agency did not provide this information within the 15-day timeframe required by law. This lack of response is a clear violation of my rights under the FCRA.

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 2025-07-24 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency if the person knows or has reasonable cause to believe that the information is innacurate

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 2025-07-24 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
XXXX XXXX, XXXX, XX/XX/year>, Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Bureau 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. This fraudulent, inaccurate, and false information consists of * Fraudulent Account -- XXXXXXXX XXXX XXXX XXXX XXXX XXXX These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint ( XXXX ) as proof from the US Federal Trade Commission that all the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: T.S. Holdings
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Re : Request for Debt Validation To Whom It May Concern : I am writing in response to the collection account reported on my credit file associated with IQ Data International .

This letter is a formal

request for debt validation pursuant to the Fair Debt Collection Practices Act, 15 U.S. Code 1692g. I request that you provide complete and accurate documentation validating this alleged debt, including but not limited to : 1. The original signed contract or lease agreement bearing my signature that allegedly created this debt.

2. The itemized statement showing the full accounting of the debt ( principal, interest, fees, etc. ).

3. Proof of ownership or legal assignment of the debt to IQ Data
International from the original creditor. 
4. The name and address of the original creditor, along with a clear explanation of how this debt was incurred.

5. The date of default and the date of last payment on the account.

6. Verification that you are licensed to collect debts in the state of Georgia. 
Please note that under the FDCPA, all collection activities must cease until you provide proper validation of this debt. Furthermore, if you are unable to validate the debt, you must immediately request that any credit bureau reporting this account delete it from my file and send me confirmation in writing. 
This letter is not a refusal to pay, but a notice that your claim is disputed and validation is requested. 
Please respond within 30 days from the date of receipt. 
Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 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:
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 2025-07-24 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: NC

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX Date : XXXX XXXX ( Subject : Request for Late Payment Removal Consideration XXXX XXXX Service Member To Whom It May Concern, I respectfully request your assistance in reviewing the repeated late payment reporting on the following accounts due to military obligations and documented hardship periods. These late marks are now severely impacting my credit score and my ability to fulfill duties related to military relocation and housing. The following accounts are reporting extensive delinquencies : 1. * * XXXX XXXX  * * - 20 late payments- Dates span : XXXX - Current status : Not more than two payments past due 2. * * XXXX XXXX XXXX XXXX ( Account # XXXXXXXX XXXX  ) * * - 1 late payment - Utilization : 115 % - Current status : Pays as agreed 3. * * XXXX XXXX  * * - 4 late payments - Most recent late : XXXX I am requesting a * * goodwill removal * * or review of these late marks due to documented service-related duties that may have contributed to temporary financial hardship. I maintain responsibility for these accounts and have since brought them current. I respectfully request the CFPB assist in contacting these institutions for a resolution in light of my active military status. Sincerely, * * XXXX XXXX XXXX XXXX * * XXXX XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX Email : XXXX Phone : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX Date : XXXX XXXX ( Subject : Request for Late Payment Removal Consideration XXXX XXXX Service Member To Whom It May Concern, I respectfully request your assistance in reviewing the repeated late payment reporting on the following accounts due to military obligations and documented hardship periods. These late marks are now severely impacting my credit score and my ability to fulfill duties related to military relocation and housing. The following accounts are reporting extensive delinquencies : 1. * * XXXX XXXX  * * - 20 late payments- Dates span : XXXX - Current status : Not more than two payments past due 2. * * XXXX XXXX XXXX XXXX ( Account # XXXXXXXX XXXX  ) * * - 1 late payment - Utilization : 115 % - Current status : Pays as agreed 3. * * XXXX XXXX  * * - 4 late payments - Most recent late : XXXX I am requesting a * * goodwill removal * * or review of these late marks due to documented service-related duties that may have contributed to temporary financial hardship. I maintain responsibility for these accounts and have since brought them current. I respectfully request the CFPB assist in contacting these institutions for a resolution in light of my active military status. Sincerely, * * XXXX XXXX XXXX XXXX * * XXXX XXXX XXXX SSN : XXXX DOB : XX/XX/XXXX Email : XXXX Phone : 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 2025-07-24 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: CA

Complaint narrative:
The inquiries appear questionable and unexpected. Please take swift action and review the provided documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAINE & WEINER COMPANY, INC.
State: AZ

Complaint narrative:
I am submitting this complaint against XXXX XXXX XXXX creditor XXXX for reporting and potentially trading or selling my personal consumer data without my consent. Caine & Weiner is reporting an account from progressive that I have no knowledge about in that amount of {$330.00}. The account in question is currently being reported on my credit report as an open account despite being in collection status. This classification is inaccurate misleading and in violation of the FCRA. 15 USC 1681s-2 ( a ) ( 1 ) ( A ). A collection account should not be listed as open as it implies an active revolving or installment obligation with an available credit line which is false. I request that the CFPB investigate Caine & Weiner handling of this data ensure compliance with federal law and require removal of this inaccurate and unauthorized account from my file. I sent them a validation and cease and desist letter on XX/XX/year> XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: TX

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights6 under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-24 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: OH

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 : 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 2025-07-24 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: OH

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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation