vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Dispute of Collection Account Request for Validation Account Number : XXXX XXXXXXXX XXXX XXXX I am writing to formally dispute the validity of the above-referenced account under my rights afforded by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681.

The credit bureau is refusing to provide validation of this debt from the creditor.

According to the FDCPA, I have the right to request a complete and proper validation of any alleged debt you claim I owe. Accordingly, I request that you provide the following : 1. Validation of the debt including a copy of the original signed contract or other evidence bearing my signature showing I have a legal obligation to pay.

2. The name and address of the original creditor, as well as a detailed breakdown of the alleged amount owed, including any interest, fees, or other charges.

3. Proof of your legal right to collect this debt in my state.

4. A full itemized accounting of the alleged debt.

5. Verification that you are licensed to collect debts in my state, along with your license number.

Additionally, reporting information to any credit bureau without verifying the validity of the debt may constitute a violation of the FCRA. If this debt can not be properly validated, you must immediately : Cease collection activities ; and Request deletion of this account from all consumer reporting agencies to whom you reported it, including but not limited to Equifax, Experian, and TransUnion.

Be advised that any attempt to collect on an unverified debt, or to report inaccurate information to a credit reporting agency, is a violation of federal law, and I reserve the right to take further action to protect my interests.

Please note that during the verification process, you are required to cease all collection activities per FDCPA 1692g ( b ) until proper validation is provided. Also, if you fail to respond to this request within 30 days, I will consider the matter closed and will expect the removal of the collection account from my credit report accordingly.

I expect your written response within 30 days of receipt of this letter. All future communications regarding this matter should be in writing only. 

Thank you for your prompt attention. 

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy. 
and accuracies

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 2025-04-29 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: CBC Companies, Inc.
State: WA

Complaint narrative:
I have previously disputed wiXXXX XXXX XXXX XXXX XXXX XXXXegarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I am writing to respectfully request the removal of the bankruptcy associated with my name and reference number XXXX. I understand that the bankruptcy filing was valid, and I fully accept responsibility for the circumstances that led to it. 

Since that time, I have worked diligently to rebuild my financial health and maintain a positive payment history. As part of my ongoing efforts to improve my credit standing, I kindly ask that you consider removing this bankruptcy from the public records section of my credit report as an act of goodwill. 

Thank you for your time and consideration.

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 2025-04-29 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: MO

Complaint narrative:
I have filed a dispute with the credit bureau for this XXXX account and the credit bureau is refusing to hold the creditor accountable when it comes to providing documentation that actually supports that this account belongs with to me. 

I am writing to formally dispute the validity of the above-referenced account under my rights afforded by the Fair Debt Collection Practices Act ( FDCPA ), XXXXXXXX XXXX  XXXX, and the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. 

According to the FDCPA, I have the right to request a complete and proper validation of any alleged debt you claim I owe. Accordingly, I request that you provide the following : Validation of the debt including a copy of the original signed contract or other evidence bearing my signature showing I have a legal obligation to pay. 

The name and address of the original creditor, as well as a detailed breakdown of the alleged amount owed, including any interest, fees, or other charges. 


Proof of your legal right to collect this debt in my state. 
A full itemized accounting of the alleged debt. 
Verification that you are licensed to collect debts in my state, along with your license number. 

Additionally, reporting information to any credit bureau without verifying the validity of the debt may constitute a violation of the FCRA. If this debt can not be properly validated, you must immediately : Cease collection activities ; and Request deletion of this account from all consumer reporting agencies to whom you reported it, including but not limited to Equifax, Experian, and TransUnion. 

Be advised that any attempt to collect on an unverified debt, or to report inaccurate information to a credit reporting agency, is a violation of federal law, and I reserve the right to take further action to protect my interests. 

Please note that during the verification process, you are required to cease all collection activities per FDCPA XXXX ( b ) until proper validation is provided. Also, if you fail to respond to this request within XXXX days, I will consider the matter closed and will expect the removal of the collection account from my credit report accordingly. 

I expect your written response within XXXX days of receipt of this letter. All future communications regarding this matter should be in writing only. 

Please send verification request to my email address XXXX Thank you for your prompt attention. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: MO

Complaint narrative:
I have filed a dispute with the credit bureau for this XXXX account and the credit bureau is refusing to hold the creditor accountable when it comes to providing documentation that actually supports that this account belongs with to me. 

I am writing to formally dispute the validity of the above-referenced account under my rights afforded by the Fair Debt Collection Practices Act ( FDCPA ), XXXXXXXX XXXX  XXXX, and the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX. 

According to the FDCPA, I have the right to request a complete and proper validation of any alleged debt you claim I owe. Accordingly, I request that you provide the following : Validation of the debt including a copy of the original signed contract or other evidence bearing my signature showing I have a legal obligation to pay. 

The name and address of the original creditor, as well as a detailed breakdown of the alleged amount owed, including any interest, fees, or other charges. 


Proof of your legal right to collect this debt in my state. 
A full itemized accounting of the alleged debt. 
Verification that you are licensed to collect debts in my state, along with your license number. 

Additionally, reporting information to any credit bureau without verifying the validity of the debt may constitute a violation of the FCRA. If this debt can not be properly validated, you must immediately : Cease collection activities ; and Request deletion of this account from all consumer reporting agencies to whom you reported it, including but not limited to Equifax, Experian, and TransUnion. 

Be advised that any attempt to collect on an unverified debt, or to report inaccurate information to a credit reporting agency, is a violation of federal law, and I reserve the right to take further action to protect my interests. 

Please note that during the verification process, you are required to cease all collection activities per FDCPA XXXX ( b ) until proper validation is provided. Also, if you fail to respond to this request within XXXX days, I will consider the matter closed and will expect the removal of the collection account from my credit report accordingly. 

I expect your written response within XXXX days of receipt of this letter. All future communications regarding this matter should be in writing only. 

Please send verification request to my email address XXXX Thank you for your prompt attention. 

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 non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Newport Intermediate Inc.
State: MD

Complaint narrative:
I received a rebate of {$70.00} from XXXX on a promotional mastercard. i saved it in my wallet for a rainy day. I tried to use the card recently to purchase gas. The card was declined, I noticed it was expired. When I reached out to the company " NorthLane '' I was unable to speak to a person directly and the company that I was forwarded to " mypaymentvault '' was also a dead end. With both points of contact I was in a circular loop where I can not proceed because my card is expired. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: OR

Complaint narrative:
I am formally disputing the following negative items on my credit report : CHARGE OFF XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2500.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX {$3000.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$3300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$14000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$1100.00} XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX {$8000.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX {$2900.00} These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: CBC Companies, Inc.
State: SC

Complaint narrative:
I have previously disputed with XXXX XXXX XXXX XXXX  regarding several accounts which I found inaccurate. Up to date, I have received no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non compliant with the FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Automated Collection Services, Inc.
State: NM

Complaint narrative:
Account XXXXXXXX XXXX XXXXXXXX # XXXX, XXXX unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: PA

Complaint narrative:
I am to formally address the significant impact of the Equifax Data Breach and request the removal of all negative accounts associated with my credit report. This Breached exposed sensitive personal information of millions including myself. As a victim of this Breach, I have a legal right to have my account corrected.

I was giving a settlement check because of this breach therefore they acknowledge my account as being effected. 

Under the FCRA I Have right to dispute inaccurate or incomplete information in my credit report. 


these ( XXXX ) accounts should be removed within 5 days or I will be filing a lawsuit and outline how I was impacted by this breach XXXX XXXX XXXX XXXX # XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ProCollect, Inc.
State: TX

Complaint narrative:
I am unaware of any charge from PRO COLLECT for {$170.00}. This debt is NOT mine.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I declare that the inaccurate late payment remarks on my accounts constitute a violation of 15 USC 1666. I have always made my payments promptly, and any discrepancies in this reporting are both unjust and illegal.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-29 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: FL

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 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: AL

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading 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 2025-04-29 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: FL

Complaint narrative:
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.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: MI

Complaint narrative:
Experian is refusing to properly report accurate information on my credit report after several attempts of me asking them to investigate and reinvestigate. They would simply respond saying that the investigation is complete and updated. After I asked them to reinvestigate back in XXXXXXXX XXXX XXXX they still continued to report false and inaccurate information. On XXXX XXXX I had my Credit report pulled again and noticed that they still reporting inaccurate information on my report. I do not want a third investigation seeing how they never properly investigated the first two rounds. I want this account removed from my report. My next step is to take legal action against Experian. Also according to 15 USC 1631 ( 5 ) I see it states after any reinvestigation under paragraph ( 1 ) 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 credit bureaus did not reinvestigate and violated my rights. Below is a copy of my ID as well as supporting documents. I will not give Experian another 30 days to resolve this issue seeing that it's has been almost two years. They have had more then enough time to correct this issue. Remove this account.!

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