vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-13 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: TX

Complaint narrative:
I am writing to dispute the accuracy of a collection account listed on my credit report under the account # XXXX, I previously requested debt validation from the collection agency handling this account, but they failed to provide the required validation. 

According to the Fair Debt Collection Practices ( FDCPA ) 611 ( a ), a collection agency must provide verification of the debt upon request. Since the collection agency has not provided this validation, the collection account should not be reported on my credit file.

Under the Fair Debt Collection Act ( FCRA ) 611 ( a ). I am requesting that you reinvestigate this matter. The continued reporting of this collection account without proper validation is inaccurate and violates the FDCPA. 

Please remove this collection account from my credit report and provide written confirmation of this action. If the collection agency can not validate the debt, the account must be deleted from my credit file as required by law. 

Thank you for your prompt attention to this matter. I look forward to your response. 

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 2025-10-13 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Repossession — Damage caused or loss of personal items in vehicle during the actual repossession
Company: Westlake Services, LLC
State: FL

Complaint narrative:
I am filing this complaint against XXXX XXXX for the mishandling of personal belongings and sensitive documents after my vehicle was repossessed. 

The vehicle, which was leased through XXXX XXXX, was repossessed earlier this year. At the time of repossession, the truck contained important personal and family property that was never returned to me. Among the items inside were : Social Security cards for my entire family of XXXX The Social Security card and personal documents of my deceased father Family photos, mail, and other personal belongings Following the repossession, I immediately contacted XXXX XXXX and the repossession agency to report the missing items and request their safe return. Despite multiple calls and attempts to resolve the issue, I was not given a clear process or response for how or when my belongings would be returned. 

These items are not replaceable especially the identification cards and the personal documents of my late father, which hold sentimental and legal significance. I trusted that XXXX XXXX and its contracted agents would follow proper procedure to secure and inventory personal property after repossession, as required by consumer protection laws. That did not happen. 

This situation has caused significant emotional distress and hardship for my family, as the missing Social Security cards create potential identity theft risks and delays in handling legal and personal matters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX RE : Formal Dispute of Credit Report Information To whom it XXXX concern, I recently took a look at my credit report and noticed some unfamiliar accounts and information on my report. I am writing to dispute the inaccurate information on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. 
ACCOUNTS IN DISPUTE : XXXX XXXX * * * * XXXX XXXX XXXX XXXX XXXX * * * * XXXX. XXXX XXXX XXXX XXXX * * * * XXXX. XXXX XXXX XXXX XXXX XXXX * * * * XXXX. XXXX XXXX XXXX * * * * I dispute the accuracy and validity of these accounts. Under FCRA XXXX, you must conduct a reasonable investigation within 30 days and verify the complete accuracy of this information. Under FCRA XXXX, you must follow reasonable procedures to assure maximum possible accuracy. 
Delete any information that can not be verified as completely accurate per FCRA XXXX ( a ) ( XXXX ) ( A ) Provide written results of your investigation and proof of verification. 

I filed complaints with the CFPB and FTC. if you fail to comply with federal law legal action will be pursued. 

Also I noticed there were several inaccurate addresses and phone numbers on my report. 
My XXXX and only address is, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX My XXXX and only phone number is, ( XXXX ) XXXX Any other Address or phone number is inaccurate and should be deleted from my report. 
Please send all correspondence to the address above.

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 2025-10-13 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX RE : Formal Dispute of Credit Report Information To whom it XXXX concern, I recently took a look at my credit report and noticed some unfamiliar accounts and information on my report. I am writing to dispute the inaccurate information on my credit report pursuant to the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. 
ACCOUNTS IN DISPUTE : XXXX XXXX * * * * XXXX XXXX XXXX XXXX XXXX * * * * XXXX. XXXX XXXX XXXX XXXX * * * * XXXX. XXXX XXXX XXXX XXXX XXXX * * * * XXXX. XXXX XXXX XXXX * * * * I dispute the accuracy and validity of these accounts. Under FCRA XXXX, you must conduct a reasonable investigation within 30 days and verify the complete accuracy of this information. Under FCRA XXXX, you must follow reasonable procedures to assure maximum possible accuracy. 
Delete any information that can not be verified as completely accurate per FCRA XXXX ( a ) ( XXXX ) ( A ) Provide written results of your investigation and proof of verification. 

I filed complaints with the CFPB and FTC. if you fail to comply with federal law legal action will be pursued. 

Also I noticed there were several inaccurate addresses and phone numbers on my report. 
My XXXX and only address is, XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX My XXXX and only phone number is, ( XXXX ) XXXX Any other Address or phone number is inaccurate and should be deleted from my report. 
Please send all correspondence to the address above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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 request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

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 2025-10-13 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: TX

Complaint narrative:
I request the removal of these inaccurate accounts from my credit report, as I never authorized their opening.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorization agreement. I am submitting this statement to formally report XXXX continued noncompliance with the Fair Credit Reporting Act ( FCRA ) despite multiple written disputes and the submission of a valid FTC Identity Theft Report with supporting documentation. Despite my repeated requests on XX/XX/year>, XX/XX/year>, and XX/XX/year>, Equifax has failed to remove or block the fraudulent XXXX  XXXX XXXX...., XXXX XXXX XXXX.... & XXXX XXXX XXXX.... that was opened as a result of identity theft. This inaction constitutes clear violations of FCRA 1681i ( a ) ( 1 ), 1681c- 2 ( a ), and 1681i ( a ) ( 5 ) for failing to conduct a reasonable reinvestigation, refusing to block identity theftrelated information, and continuing to report inaccurate data. I have provided Equifax with all the necessary identification and evidence to support my claim, including my FTC Identity Theft Report XXXX. XXXX, proof of address, and government-issued identification. Their repeated disregard of my legal rights under the FCRA has caused ongoing harm and emotional distress due to inaccurate reporting on my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: PA

Complaint narrative:
The fair resolution is the permanent deletion of all inaccurate late payment entries for the listed accounts, as no proper billing notices or due date documentation were ever provided. I am requesting a full reinvestigation, deletion of any unverifiable late payments, and issuance of a corrected credit report with written confirmation. 

Accounts in Dispute : XXXX. XXXX XXXX  Account Number : XXXX XXXX. XXXX XXXX Account Number : 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 2025-10-13 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: NJ

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA 611 ) regarding the XXXX account # XXXX, which reflects a series of late payments beginning in XXXX, including a 159-day delinquency. This information is inaccurate and legally unsupported.

This account was the result of identity theft and was litigated in XXXX XXXX Civil Court, where I prevailed. I do not owe this debt and was never late. There is no such reporting category as 159 days late under Metro 2 or FCRA guidelinesthis is a clear violation of FCRA 607 ( b ) ( maximum accuracy ) and FCRA 611 ( a ) ( 1 ) ( A ) ( failure to verify disputed data ).

I previously sent a certified request to XXXX demanding a formal letter confirming whether I owe this debt. They have failed to respond within the 30-day window required by law.

I demand immediate removal of all late payments and derogatory remarks associated with this account, or removal of the tradeline in its entirety. Please use e-OSCAR code 001 ( Account information disputed by consumer meets FCRA requirements ) or code 112 ( Delete account consumer states not his/hers confirmed fraud ).

If this is not corrected within 4 days, I will escalate to my consumer attorney and pursue legal action for damages and noncompliance. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TN

Complaint narrative:
This account reporting is incorrect, this account has been paid in full

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Georgia XXXX XXXX ( XXXX ) XXXX XX/XX/XXXX TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX Subject : Request to Unblock My Credit Report Dear Transunion, I hope this letter finds you well. I am writing to formally request the removal of the block placed on my credit report. I understand that, for certain reasons, my credit file has been temporarily blocked or restricted. However, I believe this action may have been taken in error or that the circumstances warrant reconsideration. 
Personal Information : Full Name : XXXX XXXX Date of Birth : XXXX Social Security Number ( or equivalent ) : XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Georgia 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 2025-10-13 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RentDebt Automated Collections, LLC
State: GA

Complaint narrative:
XXXX was first offered ( XX/XX/XXXX ) for rent, late fees, and court costs that total {$5100.00}. 
The complex honored XXXX  ( XX/XX/XXXX ) {$5100.00} in rent-related debt. 

They ( or a collector ) reported false information of {$6400.00}, which is a direct FCRA violation. Reporting a forgiven amount ( {$5100.00} ) with an additional {$1300.00} is false and actionable. I am exercising my right to dispute and demand deletion.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: MD

Complaint narrative:
I AM DEMANDING IMMEDIATE DELETION. EVERY PIECE OF DATA EPORTED AGAINST ME MUST BE 100 % COMPLETE, ACCURATE, AND LEGALLY VERIFIED NOT ASSUMED, NOT ESTIMATED, AND CERTAINLY NOT RETAINED WITHOUT DIRECT, PROVABLE EVIDENCE. YOU DO NOT HAVE MY CONSENT TO REPORT ANY DATA IN VIOLATION OF FEDERAL OR STATE LAW. YOU ARE IN BREACH OF COMPLIANCE. UNDER COMMON LAW, I AM FORMALLY DEMANDING DELETION OF ANY AND ALL DEROGATORY OR UNVERIFIED CLAIMS. IF YOU CAN NOT IMMEDIATELY AND UNAMBIGUOUSLY CERTIFY EACH AND EVERY DATA POINT WITH FULL PHYSICAL PROOF, THEN YOU ARE KNOWINGLY VIOLATING MY RIGHTS. FAILURE TO COMPLY IS NOT JUST NEGLIGENCE IT IS INTENTIONAL MISCONDUCT.

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 2025-10-13 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-13 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: AR

Complaint narrative:
I am submitting to formally dispute and request the permanent deletion of multiple items currently appearing on my credit report that I believe to be inaccurate, outdated, or unverifiable. This request is made under my rights provided by the Fair Credit Reporting Act ( FCRA ). After thoroughly reviewing my credit file, I have identified the following items that should be immediately removed if they can not be verified with complete and accurate documentation. These items are damaging my creditworthiness and may be in violation of federal reporting standards. 
XXXX XXXX * * * * * * * * * * * * * * Balance : {$0.00} XXXX XXXX XXXX * * * * * * * * * * * Balance : {$0.00} XXXX XXXX XXXXXXXX * * * * * * Balance : {$510.00} XXXX XXXX XXXX * * * * * * Balance : {$0.00} XXXX XXXX * * * Balance : {$14000.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX * * * * * * * Balance : {$3200.00XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX CO XXXX * * Balance : {$890.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXXXXXX XXXX * * Balance : {$1100.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX * * Balance : {$360.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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: AR

Complaint narrative:
I am submitting to formally dispute and request the permanent deletion of multiple items currently appearing on my credit report that I believe to be inaccurate, outdated, or unverifiable. This request is made under my rights provided by the Fair Credit Reporting Act ( FCRA ). After thoroughly reviewing my credit file, I have identified the following items that should be immediately removed if they can not be verified with complete and accurate documentation. These items are damaging my creditworthiness and may be in violation of federal reporting standards. 
XXXX XXXX * * * * * * * * * * * * * * Balance : {$0.00} XXXX XXXX XXXX * * * * * * * * * * * Balance : {$0.00} XXXX XXXX XXXXXXXX * * * * * * Balance : {$510.00} XXXX XXXX XXXX * * * * * * Balance : {$0.00} XXXX XXXX * * * Balance : {$14000.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX * * * * * * * Balance : {$3200.00XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX CO XXXX * * Balance : {$890.00} XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXXXXXX XXXX * * Balance : {$1100.00} XXXX Original Creditor : XXXX XXXX XXXX XXXX  XXXX * * Balance : {$360.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 

FRAUDULENT ACCOUNTS : ACCOUNT NAME : XXXX XXXX # XXXXXX/XX/XXXX- Date Opened XX/XX/XXXX - Balance {$2000.00} ACCOUNT NAME : XXXX XXXX #XX/XX/XXXX- Date Opened XX/XX/XXXX - Balance {$170.00} UNAUTHORIZED INQUIRES : XXXXXX/XX/XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-13 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:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 

Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX Account name : XXXX XXXXXXXX Account number : XXXX Account name : XXXX Account number : XXXX XXXX XX/XX/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 explanation
Consumer complaint received 2025-10-13 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Improper use of your report — Reporting company used your report improperly
Company: Servicer under contract with Federal Student Aid
State: SC

Complaint narrative:
It has come to my attention that there may have been unauthorized access to my account amid recent government discussions surrounding the potential elimination or restructuring of the Department of Education, there have been concerning reports that XXXX XXXX XXXX ( XXXX coin-related entity ) or associated parties may have gained unauthorized access to private student loan information.

Given this situation, I believe my personal loan data may have been compromised or mishandled.

Company response to consumer: Untimely response