vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-29 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:
I am submitting this formal dispute under the Fair Credit Reporting Act ( FCRA 602A, 604, 609, and 611 ) and XXXX XXXX Compliance Guidelines. I have been severely impacted by Equifaxs repeated negligence and data breach, which compromised my personal information and invalidated your ability to verify the accuracy or integrity of any reported data.

Your continued reporting of inaccurate and unverifiable information after previous disputes is clear evidence of willful noncompliance. You are now on notice that each item listed below must be permanently deleted or corrected in strict adherence to federal law.

I expect a full reinvestigation within 15 days and written confirmation of each deletion. 

Accounts & Inquiries in Dispute XXXX XXXXXXXX Please confirm that this is reporting accurately. I want a response. 

XXXXDOFED XXXX Please confirm that this is reporting accurately. I want a response. 

XXXX XXXX XXXX XXXX Please confirm that this is reporting accurately. I want a response. 

XXXX XXXX XXXX XXXX Please confirm that this is reporting accurately. I want a response. 

XXXX  XXXX XX/XX/XXXX This inquiry was not authorized. 

XXXX XX/XX/XXXX This inquiry was not authorized. 

XXXX XX/XX/XXXX This inquiry was not authorized. 

Incorrect Personal Information Incorrect Name XXXX XXXX Incorrect DOB XX/XX/XXXX Incorrect Address XXXX XXXX XXXX XXXX XXXX, CA XXXX Incorrect Address XXXX XXXX XXXX, XXXX, CA XXXX Incorrect Employer XXXX XXXX XXXX Formal Notice You are now on formal notice. Continued reporting of these unverifiable and inaccurate items constitutes willful noncompliance and opens the door for civil action under FCRA 616 and 617.

I expect full compliance and written confirmation of permanent deletions and corrections within 15 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Excess mileage, damage, or wear fees, or other problem after the lease is finished
Company: FORD MOTOR CREDIT CO.
State: NJ

Complaint narrative:
from XX/XX/XXXX ford lease ford still shows XXXX $ outstnading bill car was returned XX/XX/year>2019 i have been disouting this since 2019 and ford does rectify nor send me any information delaer vehicle was retruned to never advised of any charges and stated that the i was free and clear, XXXX Ford XXXX NJ there is no balance owing ford never advised mor have i recived any documenation as such

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: DE

Complaint narrative:
I am writing to advise that I am a victim of XXXX. For your convenience and reference, I have attached supporting documents that substantiate my claim. The information listed below, that is currently listed on my credit report is a result of that XXXX. 

ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>2024 - {$7200.00}

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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
Company refuses to produce the assignment agreement. XXXX XXXX and XXXX have requested proper documentation every 30days since XXXX. Company will not comply nor will they delete account from my credit file which is against the law and subject to {$1000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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 writing to formally file a complaint regarding unauthorized accounts that persist on my credit report despite my repeated efforts to have them removed. These accounts are causing significant damage to my financial reputation and overall well-being. It is evident that the inclusion of these fraudulent items violates 15 USC 1681b regarding permissible purposes, as the credit bureaus have no legitimate reason to report them without my explicit consent. Please refer to the attached file detailing these items I am disputing. The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
" I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy 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 non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: KY

Complaint narrative:
Final Response for Disputed Account portfolio acct no XXXX {$1700.00} I previously requested full validation of this alleged debt, including : A signed copy of the original creditor agreement, A complete accounting and itemization of the balance, and Proof of legal assignment/ownership. 

What I received instead were generic verification sheets and recycled data that fail to meet the requirements of the FDCPA 809 ( b ). These do not constitute proper validation.

By continuing to report unverifiable or incomplete information, this company is in violation of the FCRA 623. A sellers summary or computer printout is not legal validation.

I am demanding deletion of this tradeline from all credit reporting agencies. If the company continues to furnish unverifiable information, I will pursue federal legal remedies for damages, costs, and attorney fees.

This is the final notice.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-09-29 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: NY

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/year>2025, Balance : {$33000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
I want XXXX names taking off : XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX My address is NOT XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX its XXXXXXXX XXXX XXXX XXXX XXXX XXXX My old address is still showing up. I want that removed ( XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-09-29 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: VA

Complaint narrative:
My XXXX XXXX XXXX Account ( Auto loan ) was paid off on XX/XX/XXXX in the amount of {$110000.00} USD. XXXX  XXXX XXXX has reported it closed to XXXX  and XXXX  and it shows as paid off to them. The problem is with Transunion refuses to show the account as paid off and still shows a balance. I filed XXXX disputes with them and they closed the account on the credit report and showed as paid in full on transunion and now it is back open. They wont close it until XXXX  XXXX XXXX sends a letter stating the account is paid in full. I have already sent this letter to them and they reported it closed for one month. Please help to get Transunion to show the account paid in full again.

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 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: AZ

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.

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 2025-09-29 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: CA

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSWORLD SYSTEMS INC
State: OR

Complaint narrative:
This complaint doubles as a formal debt validation request to Transworld Systems , Inc, submitted via the CFPB to create a documented and traceable communication. I have attached my written request which outlines the documents that are legally required to validate this debt under the FDCPA, including verification of the debt amount, original account documentation, and evidence of their authority to collect on the alleged debt. 
I am submitting this through the CFPB to ensure that my request is acknowledged and that Transworld Systems , Inc is compelled to provide a complete and accurate response in compliance with federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-29 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: MD

Complaint narrative:
I am writing to express my deep concern about the disputed accounts on my credit report. Despite multiple attempts to bring these inaccuracies to your attention and requesting thorough investigations, I have yet to see any resolution or corrective action. These erroneous accounts are severely impacting my credit file, causing significant hardships and affecting my ability to live a normal life. The negative effects of these inaccuracies have been overwhelming, and I am urgently seeking your assistance to rectify this situation. I respectfully request a comprehensive investigation into the reporting of each disputed account. It is crucial that the necessary steps are taken to update and correct my credit report without further delay. With your help, I hope to restore the accuracy and integrity of my credit file and regain control over my financial well-being. I urge you to give this matter your immediate attention and take swift action. Your prompt cooperation and support in resolving this issue would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2025-09-29 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: FL

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

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$620.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$710.00} XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$990.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$980.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$140.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX, XXXX as proof from the US federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

Complaint narrative:
Company : XXXX Subject : DEMAND : Immediate Deletion for Willful FCRA 605B & 623 Violations - FTC Identity Theft Report [ XXXX ] Message : This is a formal demand for the immediate deletion of a fraudulent account due to willful non-compliance with federal law. Continued reporting of this trade line is illegal. 

Disputed Account ( as reported by XXXX  ) : Furnisher : XXXX XXXX  Account Number : XXXX Date Opened : XX/XX/XXXX Violation XXXX : Willful Violation of FCRA 605B On XX/XX/XXXX, I submitted an FTC Identity Theft Report ( # XXXX ) to the credit bureaus. FCRA 605B mandates that upon this notification, the furnisher MUST either prevent the reporting of the fraudulent information or provide a specific, one-time certification to the bureaus confirming the information 's accuracy and that it is not a result of identity theft. 
XXXX has done neither. The continued presence of this account is direct evidence of your failure to comply with this federal statute. This is a per se violation.

Violation 2 : Willful Violation of FCRA 623 ( a ) ( 1 ) ( A ) - Furnishing Patently Inaccurate Data Your reporting is internally inconsistent and facially inaccurate. You report the account status as " Deferred '' with payments not beginning until XX/XX/XXXX, while simultaneously reporting it as 90, 120, 150, and 180 days past due in early XXXX. These XXXX conditions are mutually exclusive. Furnishing this logically impossible data is a reckless violation of your duty to report accurate information. 

Violation 3 : Willful Violation of FCRA 623 ( a ) ( 5 ) This account lacks the legally mandated Date of First Delinquency ( DOFD ), making it impossible to enforce the FCRA 's 7-year reporting limit. This is a fundamental violation that renders the entire derogatory reporting illegal.

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 2025-09-29 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:
You ignored federal law and failed to block and remove fraudulent information from my consumer report within the four-day timeframe required under FCRA 605B ( 15 U.S.C. 1681c-2 ). You are now in willful non-compliance and actively violating my consumer rights. 

I demand immediate deletion of the following fraudulent accounts : XXXX XXXX  XXXX This is completely inaccurate. 

XXXX XXXX XXXX This is completely inaccurate. 

Your continued negligence in handling identity theft reports violates the following : FCRA 605B ( 15 U.S.C. 1681c-2 ) Failure to block fraudulent data 15 U.S.C. 1681n Willful non-compliance with the FCRA 15 U.S.C. 1681o Negligence in reinvestigating disputed information 15 U.S.C. 1681s-2 Failure of furnishers to report accurate data If you fail to comply within 10 days, I will escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the Attorney Generals Office , and I will seek legal damages for your reckless disregard of 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