vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX DOB : XX/XX/XXXXXXXX  LIC NO : XXXX Expiration : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX RE : Debt Validation Request for Account # XXXXXXXX XXXX XXXX XXXX XXXX To Whom It May Concern, My name is XXXX XXXX , and I am writing to formally dispute a collection account reported by your agency under Account # XXXX XXXX XXXX XXXX XXXX, originally tied to XXXX XXXX XXXX. This collection recently appeared on my credit reports through XXXX, XXXX, and Equifax with a balance of {$1600.00} and listed as derogatory. I am asserting that this debt is fraudulent and do not acknowledge any contractual agreement or obligation to pay this amount. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide full debt validation, including competent evidence bearing my signature to prove that I owe this debt. Until such documentation is received, I request that no further collection attempts be made and that the account not be reported to or remain on any consumer reporting agencies. 

Reporting inaccurate or unverifiable debts violates FDCPA 807 [ 15 USC 1692e ] and may also constitute a violation of the Fair Credit Reporting Act ( FCRA ). If this debt can not be verified, you are required to request that it be permanently deleted from my credit reports with all three credit bureaus. 

Failure to respond within 30 days of receiving this letter will result in small claims legal action. I will seek up to {$5000.00} in damages for defamation, negligent enablement of identity fraud, and violations of the FDCPA and FCRA. You will be required to appear in a venue local to me, as you conduct business in my state. 

This letter serves as notice under 15 USC 1692g that I dispute the debt and any claim you may assert. This is a good-faith attempt to resolve the matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX : XX/XX/XXXX LIC NO : XXXX Expiration : XX/XX/XXXX XX/XX/XXXX XXXX XXXX XXXX RE : Debt Validation Request for Account # XXXX XXXX XXXX XXXX XXXX  To Whom It May Concern, My name is XXXX XXXX , and I am writing to formally dispute a collection account reported by your agency under Account # XXXX XXXX XXXX XXXX XXXX, originally tied to XXXX XXXX XXXX. This collection recently appeared on my credit reports through TransUnion, XXXX, and XXXX  with a balance of {$1600.00} and listed as derogatory. I am asserting that this debt is fraudulent and do not acknowledge any contractual agreement or obligation to pay this amount. 

Under the Fair Debt Collection Practices Act ( FDCPA ), I am requesting that you provide full debt validation, including competent evidence bearing my signature to prove that I owe this debt. Until such documentation is received, I request that no further collection attempts be made and that the account not be reported to or remain on any consumer reporting agencies. 

Reporting inaccurate or unverifiable debts violates FDCPA 807 [ 15 USC 1692e ] and may also constitute a violation of the Fair Credit Reporting Act ( FCRA ). If this debt can not be verified, you are required to request that it be permanently deleted from my credit reports with all three credit bureaus. 

Failure to respond within 30 days of receiving this letter will result in small claims legal action. I will seek up to {$5000.00} in damages for defamation, negligent enablement of identity fraud, and violations of the FDCPA and FCRA. You will be required to appear in a venue local to me, as you conduct business in my state. 

This letter serves as notice under 15 USC 1692g that I dispute the debt and any claim you may assert. This is a good-faith attempt to resolve the matter. 

Sincerely, 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 2025-04-20 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: MS

Complaint narrative:
I recently reviewed a copy of my credit report and was shocked to learn I had been a victim of identity theft. These accounts I do not recognize please remove them as they are affecting my ability to obtain credit.

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 2025-04-20 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: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Louisiana, XXXX XXXX Date : XX/XX/year> Equifax Information Services LLC XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Inaccurate Credit Reporting Request for Investigation and Removal Account Name : XXXX XXXX Account Number : XXXX Balance : {$420.00} To Whom It May Concern, I am writing to formally dispute inaccurate and incomplete information reported on my credit report concerning the above-mentioned account. Under the Fair Credit Reporting Act ( FCRA ), specifically XXXX XXXX. XXXX ( b ), credit reporting agencies are required to maintain maximum possible accuracy of the information they report. Additionally, under XXXX XXXX. XXXX ( a ) ( XXXX ) ( A ), if information is found to be inaccurate or unverifiable, it must be promptly corrected or deleted. 
The account listed under " ED Financial/ESA '' and numbered " XXXX '' contains several inaccuracies that I believe violate the FCRAs accuracy requirements. I request a full investigation into this account and demand that the information be XXXX XXXX accurate across all three major credit bureaus. If the information can not be verified and corrected to reflect complete accuracy, it must be DELETED entirely from my credit report as required by law. 
Verify the balance for completeness and accuracy. 

Please confirm in writing the results of your investigation and send me an updated copy of my credit report. I am including a copy of my identification and proof of address to assist with your investigation. 

Thank you for your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: TX

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-20 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and notice several inaccuracies on my account. This is hurting my ability to obtain credit. It is mt understanding that you will investigate these items for me to ensure its accuracies. Here is the item I am asking you to verify it accuracies : XXXX XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-04-20 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: CA

Complaint narrative:
Recently I looked at a copy of my credit report and notice several inaccuracies on my account. This is hurting my ability to obtain credit. It is mt understanding that you will investigate these items for me to ensure its accuracies. Here is the item I am asking you to verify it accuracies : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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: NY

Complaint narrative:
Ive recently checked my Credit report and noticed inaccurate information 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 non-monetary relief
Consumer complaint received 2025-04-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
On XX/XX/XXXX, my mom paid my credit card off for me with her bank account. Her bank account put it through. She told him it was not fraud and Chase credited my account with it and then the next day close both my Chase credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX TransUnion XXXX XXXX XXXX XXXX XXXX XXXX  RE : FORMAL DISPUTE & DEMAND FOR VALIDATION/DELETION Account Name : XXXX XXXX XXXX {$400.00} To Whom It May Concern, This letter is a formal demand for the immediate investigation, validation, and/or removal of the above-referenced account from my credit file, as allowed under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ).

Under FCRA 611, I am disputing the accuracy and legitimacy of this account. Additionally, under FCRA 607 ( b ), you are legally required to report only information that can be verified with maximum possible accuracy.

Furthermore, under FDCPA 809 ( b ), which applies to any debt collection-related information furnished to you, I am demanding : Legal proof that this debt belongs to me A copy of the original signed contract or agreement A full breakdown of the debt, including the original balance, itemized fees, interest, payments made, and charges added If the furnisher of this information can not produce this documentation, you are required by law to delete this account from my credit report immediately. 

Failure to comply with federal law and my lawful demand will result in : A formal complaint filed with the Consumer Financial Protection Bureau ( CFPB ) A complaint filed with the Federal Trade Commission ( FTC ) A potential civil lawsuit for violations of the FCRA and FDCPA This is not a courtesy requestit is a legal demand. I expect a written response confirming deletion or full validation of this account within 30 days, as required by law. 

If this inaccurate, unverified, or unvalidated account remains on my report after that time, I will take immediate legal action to protect my consumer rights. 

Govern yourselves accordingly. 

Sincerely, 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 2025-04-20 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-20 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I contacted each credit bureaus and tried to make them understand that there is at least 10 names for my personal information, multiple addresses I never lived at or don't even live there anymore for multiple years now, I am now single and have no co applicant for any loan nor I am a co applicant for any loan but nothing changed on my 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 2025-04-20 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I am filing this complaint due to Equifaxs repeated and willful violations of federal consumer protection laws, including the Fair Credit Reporting Act ( FCRA ), the Metro 2 Compliance Reporting Standards, e-OSCAR reinvestigation protocols, and elements of the Fair Debt Collection Practices Act ( FDCPA ), which have caused direct financial harm, emotional distress, and denial of essential credit. 

On XX/XX/year>, my car was totaled in an accident. On XX/XX/year>, I attempted to secure an auto loan. Despite having a XXXX Equifax credit score, I was denied by multiple lenders solely due to derogatory information still reporting on my credit report that is false, reinserted without proper certification, and previously disputed. 

Violations include : FCRA 611 ( a ) Failure to conduct a reasonable reinvestigation of disputed accounts. 
FCRA 611 ( a ) ( 5 ) ( B ) Reinsertion of previously deleted information without required notice or certification. 
FCRA 607 ( b ) Failure to ensure maximum possible accuracy of information. 
Metro 2 Violations Inconsistent Date Last Active, re-aged tradelines, duplicate charge-offs across multiple XXXX accounts, improper reporting codes, and failure to use compliance-based update protocols. 
e-OSCAR Process Failure Disputes marked as resolved consumer disagrees without deletion or reinvestigation. 
FDCPA Violations Continued collection-based reporting on accounts that are time-barred or unverifiable. 

I have uploaded a sworn affidavit and dispute letters. These show clear violations by Equifax and the damages theyve caused most urgently, my inability to secure transportation. I am now without a vehicle because of Equifaxs unlawful actions. 

I request that Equifax immediately delete all unverifiable accounts and inquiries and be compelled to follow the law. I am also pursuing a federal lawsuit ( XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX ) for these same issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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:
This correspondence serves as a formal follow-up and final notice regarding your continued noncompliance with the Fair Credit Reporting Act ( FCRA ), despite my previous dispute dated XX/XX/XXXX. To date, you have failed to conduct a proper reinvestigation of the disputed account listed below, nor have you provided the legally required verification documentation in response to my demand under FCRA 611 ( a ).

Let me remind you that under FCRA 611 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 5 ), you are obligated to complete a reasonable reinvestigation of disputed information and to delete or modify any unverifiable data. Additionally, under FCRA 623 ( b ), data furnishers must investigate and report the results of the reinvestigation to the credit reporting agency in a timely and accurate manner. Your failure to do so not only undermines the integrity of the credit reporting system but also exposes your organization to significant legal liability under FCRA 617 for damages resulting from your willful or negligent noncompliance. Documentation Still Required : Despite my prior request, you have not produced any of the following : 1.A copy of the original creditor agreement bearing my signature ( if applicable ) ; 2.Records or communications used to verify the accuracy of the disputed information ; 3.Documentation outlining your reinvestigation procedure and final findings.

Without this verification, continued reporting of inaccurate information violates FCRA 611 ( a ) ( 5 ) ( A ), which explicitly requires deletion if information can not be verified. 

Continued Noncompliance Legal Implications You are now in a clear pattern of willful noncompliance. I remind you of the precedent set in : XXXX XXXX XXXX  XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) where failure to conduct a reasonable reinvestigation was held as willful noncompliance ; XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX ( XXXX Cir. XXXX ) where damages were awarded due to inaccurate reporting and failure to properly reinvestigate. 

I reserve all rights to pursue monetary damages, including : Statutory damages up to {$1000.00} per violation ; Punitive damages for willful noncompliance ; Compensation for actual damages, including emotional distress and credit denials ; Legal fees and court costs, if litigation becomes necessary. 

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 2025-04-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
This company said I had to pay a {$1.00} to talk to them to verify myself I dont know what's going on i am a victim 2023 I did not open cards or 2022 please correct this remove

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-20 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: MA

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, been waiting for the credit bureaus response and its really making me feel XXXX since it seems that theyre not doing anything to resolve my issue. My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information. There is no third party involved, its me personally who is filling this complaint. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-20 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:
I am disputing three negative items appearing on my credit report. These accounts are reporting as charge-offs or derogatory, and I have not received proper validation under FCRA 609 ( a ) ( 1 ). The reporting appears inaccurate or incomplete. 
1. XXXX XXXX XXXX Charge-off, balance {$49000.00} 2. XXXX XXXX  Revolving account, balance {$7300.00} 3. XXXX XXXX  Revolving account, balance {$13000.00} Additionally, there is a hard inquiry from XXXX XXXX XXXX dated XX/XX/year> that I do not recognize or recall authorizing. Under FCRA 1681b ( a ) ( 2 ), any inquiry must have a permissible purpose. I am requesting a formal investigation into this inquiry and the accounts above, and removal of any unverifiable or unauthorized information.

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 2025-04-20 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: IL

Complaint narrative:
I am disputing three negative items appearing on my credit report. These accounts are reporting as charge-offs or derogatory, and I have not received proper validation under FCRA 609 ( a ) ( 1 ). The reporting appears inaccurate or incomplete. 
1. XXXX XXXX XXXX Charge-off, balance {$49000.00} 2. XXXX XXXX  Revolving account, balance {$7300.00} 3. XXXX XXXX  Revolving account, balance {$13000.00} Additionally, there is a hard inquiry from XXXX XXXX XXXX dated XX/XX/year> that I do not recognize or recall authorizing. Under FCRA 1681b ( a ) ( 2 ), any inquiry must have a permissible purpose. I am requesting a formal investigation into this inquiry and the accounts above, and removal of any unverifiable or unauthorized information.

Company response to consumer: Closed with explanation