vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
Please see the attached Affidavit of Truth, which outlines in detail the false, misleading, and unverified information that continues to be reported by the credit bureaus concerning the following XXXX XXXX XXXX accounts : XXXX Account # : XXXX XXXXXXXX XXXX Account # : XXXX I have submitted multiple dispute letters regarding these accounts on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. Despite these documented attempts, the information remains inaccurate and unresolved, in violation of the Fair Credit Reporting Act. 

The most recent submission included a formal Demand to Comply, and yet these accounts are still being reported with discrepancies across all three bureaus, including inconsistent high balances, mismatched date last active and last reported fields, and what appears to be improper re-aging of the accounts particularly by Equifax, which falsely reports XXXX activity on accounts that have been inactive since XXXX. 

These are the violations I am citing : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681n Civil liability for willful noncompliance 15 U.S.C. 1681o Civil liability for negligent noncompliance 15 U.S.C. 1692k FDCPA civil liability After three formal disputes over the course of several months with no resolution and no proper method of verification provided, I am now preparing to pursue legal action for willful and negligent noncompliance with federal law. I have a full paper trail of these disputes and am officially serving notice of pending litigation. I will be seeking monetary damages for each violation. 

I am demanding that these accounts be immediately removed from all consumer reporting agencies or fully corrected with consistent, verified, and legally compliant information. All further communication regarding this matter must be handled through the CFPB portal in order to maintain an official and traceable record.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
Please see the attached Affidavit of Truth, which outlines in detail the false, misleading, and unverified information that continues to be reported by the credit bureaus concerning the following XXXX XXXX XXXX accounts : XXXX Account # : XXXX XXXXXXXX XXXX Account # : XXXX I have submitted multiple dispute letters regarding these accounts on the following dates : XX/XX/XXXX ; XX/XX/XXXX ; and XX/XX/XXXX. Despite these documented attempts, the information remains inaccurate and unresolved, in violation of the Fair Credit Reporting Act. 

The most recent submission included a formal Demand to Comply, and yet these accounts are still being reported with discrepancies across all three bureaus, including inconsistent high balances, mismatched date last active and last reported fields, and what appears to be improper re-aging of the accounts particularly by Equifax, which falsely reports XXXX activity on accounts that have been inactive since XXXX. 

These are the violations I am citing : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy 15 U.S.C. 1681n Civil liability for willful noncompliance 15 U.S.C. 1681o Civil liability for negligent noncompliance 15 U.S.C. 1692k FDCPA civil liability After three formal disputes over the course of several months with no resolution and no proper method of verification provided, I am now preparing to pursue legal action for willful and negligent noncompliance with federal law. I have a full paper trail of these disputes and am officially serving notice of pending litigation. I will be seeking monetary damages for each violation. 

I am demanding that these accounts be immediately removed from all consumer reporting agencies or fully corrected with consistent, verified, and legally compliant information. All further communication regarding this matter must be handled through the CFPB portal in order to maintain an official and traceable record.

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 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-06-17 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: NV

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

TRANSUNION XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

EQUIFAX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EXPERIAN 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 XXXXas violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to 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 2025-06-17 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: NV

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under XXXX XXXX XXXX. 

TRANSUNION XXXX XXXX Bankruptcy XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  has violated my rights. 

EQUIFAX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  UNAUTHORIZED XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights. 

EXPERIAN 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 XXXXas violated my rights. 

I looked at my TransUnion Equifax Experian credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to XXXX XXXX XXXX ( XXXX ) ( b ). 

And according to XXXX XXXX XXXX XXXX they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to XXXX XXXX XXXX they are suppose to 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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 am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX XX/XX/XXXX Experian

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 2025-06-17 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: GA

Complaint narrative:
Date : XX/XX/year> To Whom It May Concern, I am submitting this formal complaint because Equifax is reporting a XXXX Resorts ( Mortgage ) account on my credit file, and I am demanding a full reinvestigation under the Fair Credit Reporting Act ( FCRA ), specifically 1681i.

Additionally, in accordance with * * FCRA 1681i ( a ) ( 6 ) ( B ) ( iii ) * *, I am requesting a complete explanation of how this account was verified. This includes : - The method of verification, - The name of the party who verified the information, and - The documentation used during the investigation. 

If Equifax can not produce legally sufficient verification from the original creditor, the account must be deleted from my credit file under * * FCRA 1681e ( b ) * * for failure to ensure maximum possible accuracy.

This dispute and verification request should be treated with urgency. Equifax is not permitted to assume data is accurate without proper documentation. I expect full compliance with federal law. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX - Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES : XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XX/XX/XXXX Experian XXXX XXXX XXXXXXXX XX/XX/XXXX Experian XXXX XXXX XXXX XXXXXX/XX/XXXX Experian

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 2025-06-17 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: IL

Complaint narrative:
I recently reviewed my Equifax credit report and there are 3 hard inquiries that I am not familiar with and that I do not recognize. I did not request for my credit to be ran. Please remove these inaccurate inquiries made by XXXX XXXX XXXX. The dates of the inquiries are XX/XX/year>, XX/XX/year> and XX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Thaxton Investment Corporation
State: VA

Complaint narrative:
The following item on my credit report are the result of identity theft and are not associated with any legitimate account or transaction I made : - Covington Credit Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
This complaint serves as a formal demand for compliance with the Fair Credit Reporting Act ( FCRA ) regarding the handling of my credit report. I have requested the accounts listed below to removed from my credit report due to identity theft. This is my several attempt to resolve this matter. The previous letters have come with XXXX compliance. Your failure to provide verifiable proof and your reliance on generic, non-substantive responses violate federal law and my consumer rights. I will not tolerate these deliberate evasions. 

Despite my repeated disputes, your agency has failed to provide legally required documentation proving the validity of the reported information. Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), upon receiving a dispute, you are legally required to conduct a meaningful investigation and provide substantive evidence verifying the accuracy of the disputed accounts. Your boilerplate responses do not meet this legal standard, and your continued negligence constitutes a blatant violation of federal law.

Furthermore, under 15 U.S. Code 1681e ( b ), you are required to maintain maximum possible accuracy in consumer credit reports. Your continued reporting of unverified and inaccurate information, despite my multiple disputes, demonstrates reckless disregard for the law and my rights. 
You have 30 days from the date of this letter to provide the following : 1.Actual verification of the disputed account, including original documentation from the data furnisher proving the validity of the debtnot generic statements from the creditor or data furnisher.

2.A detailed explanation of the investigation conducted, including the specific steps taken to verify the accuracy of the information.

3.The names, contact information, and job titles of the individuals who handled my dispute.

4.A statement confirming removal of any information that can not be fully verified as per 15 U.S. Code 1681i ( a ) ( 5 ). 

Failure to comply will result in immediate legal action. I am fully prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney General. Additionally, I will explore all legal avenues, including but not limited to, filing a lawsuit for willful noncompliance under 15 U.S. Code 1681n, which entitles me to statutory damages, punitive damages, attorney fees, and costs. 
This account do not belong to me, as they are fraudulent. The banks have agreed to remove these accounts from my records. Im confused why you still feel theyre reporting accurately. Please see these accounts are fully investigated and VERIFIABLE PROOF IS FORWARED TO ME. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
I sent your company a letter disputing the account XXXX with XXXX XXXX on XX/XX/year>. I received a response from you dated XX/XX/year>, where you stated that the item has been deleted. Please see copy of both letters enclosed. 

After reviewing my credit report again, I have noticed that the item has been reinserted. It is my understanding that deleted items can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 

The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. 

I am willing to give you more time to furnish this information to me before I pursue filing a complaint against your company for the above mentioned FCRA violation. Please forward to me : The name, address, and telephone number ( if available ) of the furnishers of the information confirming its accuracy. 
Documentation stating that the items have been reinserted and the date of reinsertion. 
Documentation stating that, as a consumer, I continue to have the right to add a status of disputed by consumer to the items. 
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
Consumer complaint received 2025-06-17 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: MS

Complaint narrative:
I am writing to formally dispute and demand the immediate removal of all accounts fraudulently opened in my name as listed on my Equifax credit report. I am a verified victim of identity theft and was directly impacted by the XXXX  Equifax Data Breach, which compromised millions of consumers ' personal informationincluding mine.

Pursuant to FCRA 605B ( 15 U.S.C 1681c-2 ), you are legally obligated to block and remove all information relating to accounts and inquiries resulting from identity theft within four ( 4 ) business days of receiving this notice and supporting documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
This letter serves as a formal Cease and Desist demand pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ), and a Debt Validation Request under 15 U.S.C. 1692g ( b ).

Cease and Desist Effective immediately, you are to cease and desist all forms of communication with me regarding the alleged debt associated with Account XXXX XXXX. This includes, but is not limited to, phone calls, letters, emails, or any third-party contact. Failure to comply will be considered a violation of my rights under the FDCPA and may result in legal action against you.

Debt Validation Request Under 15 U.S.C. 1692g ( b ), I formally request validation of the alleged debt. You must provide the following documents within 30 days : 1. Proof of the Original Debt A full accounting of the alleged debt, including the original creditors name, the amount owed, and an itemized breakdown of all charges, interest, and fees.

2. Proof of Assignment A legal contract of assignment demonstrating that you have the legal right to collect this debt. If you are not the original creditor, provide a chain of title showing how the debt was transferred.

3. Executed Agreement A copy of the original signed contract where I agreed to this debt, proving my legal obligation to pay.

4. Your Debt Collection License Proof that you are legally authorized to collect debts in my state, including a copy of your business license and any relevant bonding requirements.

Until you provide the requested validation, you must cease all collection activities under federal law. If you continue to report this alleged debt to credit bureaus or attempt further collection efforts without proper validation, I will pursue legal remedies, including complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my states Attorney Generals office.

This demand is non-negotiable. I am sending this letter via certified mail with return receipt to document your compliance. Failure to adhere to federal law will result in legal consequences.

Company response to consumer: Closed with explanation