vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Dear Sir or Madam, I am writing to formally dispute the accuracy of the information your company, XXXX XXXX XXXX, has reported to the credit bureaus regarding my account. According to my credit file, your company has reported this account as a charge-off on XX/XX/year>. 

Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., I have the right to dispute inaccurate or incomplete information reported on my credit file. At this time, I am requesting : Validation of Debt Please provide full documentation verifying that this debt is valid, that I am legally responsible, and that your company has the right to collect or report this account. 

Detailed Accounting Please provide a breakdown of the alleged balance, including principal, interest, fees, and any payments applied. 

Correct Reporting If you can not validate this debt with proper documentation, I request that you immediately remove or correct the charge-off entry from all credit reporting agencies to which it was furnished. 

Until such documentation is provided, I dispute this account in its entirety. Please note that reporting unverifiable information is a violation of the FCRA, and I will not hesitate to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office if necessary. 

I expect your response within 30 days as required under the FCRA. Please send your reply to the mailing address listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: MA

Complaint narrative:
I am submitting a complaint to dispute inaccurate and unauthorized information appearing on my credit file. My report is showing an address at XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX, MA XXXX, which I have never lived at and which is being reported in error. Under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) and FCRA 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), credit bureaus and furnishers are required to promptly correct or remove any inaccurate information, and I am requesting that this address be deleted from my file. 
In addition, my credit report lists a XXXX account ending in XXXX with a balance of {$0.00}, which is being reported as a collection. This account is not mine and is the result of identity theft. The FCRA 605B ( 15 U.S.C. 1681c-2 ) gives me the right to block fraudulent or identity theft-related information, and I am demanding the immediate removal of this account. 
Finally, my report is showing an inquiry from XXXX XXXX dated XX/XX/year> that I did not authorize. This violates FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), which requires a permissible purpose for accessing a consumers credit file, and FCRA 619 ( 15 U.S.C. 1681q ), which prohibits the obtaining of a credit report under false pretenses. This unauthorized inquiry must also be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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:
I am filing this complaint against XXXX XXXX XXXX, which is reporting a fraudulent and unverifiable collection account on my consumer credit file. 

Creditor/Agency Name : XXXX XXXX XXXX Amount Reported : {$620.00} Status Reported : Collection Credit Bureaus Reporting : Experian, TransUnion, Equifax This account is not mine and has not been validated. I have disputed this item with the credit bureaus and submitted supporting documentation, including my identity theft report, government-issued ID, and proof of address. Despite this, the account remains on my credit file. 

Violations : FCRA 15 U.S.C. 1681c-2 ( 605B ) : Requires blocking of fraudulent/identity theft information upon receipt of an identity theft report.

FCRA 15 U.S.C. 1681i : Requires a reasonable reinvestigation of disputed information within 30 days.

FDCPA 15 U.S.C. 1692e : Prohibits false, deceptive, or misleading representations regarding debt. 

By continuing to report this account, XXXX XXXX XXXX and the consumer reporting agencies are violating federal law. 

Requested Relief : Immediate blocking and deletion of this account from all credit reports. 

Written confirmation of deletion provided to me. 

Enforcement action against XXXX XXXX XXXX for repeated violations of the FCRA and FDCPA. 

This fraudulent collection account is harming my creditworthiness and financial standing. I request urgent CFPB intervention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: PA

Complaint narrative:
Hello! I am requesting an immediate correction of the mentioned account. The three credit bureaus, obligated by federal law to promptly respond within the constitutionally prescribed time limit, have regrettably neglected their duty to address my letters. Under the Fair Credit Reporting Act ( FCRA ), specifically 611 ( a ) and 607 ( b ), I am exercising my right to request a full reinvestigation into this item, as I believe the information being reported may be inaccurate, incomplete, or unverifiable. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account below. Thank you. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$410.00} XXXX  XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00}

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 non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Non-Response to Dispute Filed XX/XX/year> XXXX for Immediate Action & Statutory Damages Dear Credit Reporting Agency, This letter serves as my Second Notice regarding the formal dispute I submitted on XX/XX/year>, concerning the following accounts : XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX Despite the passage of more than thirty ( 30 ) days, I have not received a response, reinvestigation results, or confirmation of deletion as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. Violation of Federal Law Your failure to respond within the statutory period constitutes willful and/or negligent noncompliance with : FCRA 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Requires completion of a reasonable reinvestigation and results within 30 days. FCRA 15 U.S.C. 1681n & 1681o : Establishes liability for statutory damages of up to {$1000.00} per violation, plus attorneys fees and potential punitive damages. Final Demand for Immediate Action I hereby demand that you : 1. Delete the above-referenced accounts from my credit file immediately. 2. Provide written confirmation of deletion or reinvestigation results within seven ( 7 ) days of receiving this notice. XXXX. Acknowledge your potential liability for statutory damages and attorneys fees under FCRA 1681n & 1681o. Notice of Legal Action Should you fail to comply within the stated timeframe, I will initiate legal action in federal court to pursue statutory damages, punitive damages, and attorneys fees. This matter is already reported to the Consumer Financial Protection Bureau ( CFPB ) and may be further escalated to the Federal Trade Commission ( FTC ) and my State Attorney General. -- - Copies of my original dispute dated XX/XX/year> and proof of file is already filed with the CFPB and are enclosed again in there records. Sincerely, 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 2025-09-01 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: MA

Complaint narrative:
I am submitting a complaint to dispute inaccurate and unauthorized information appearing on my credit file. My report is showing an address at XXXX XXXX XXXX, XXXX, MA XXXX XXXX XXXX, MA XXXX, which I have never lived at and which is being reported in error. Under FCRA 611 ( a ) ( 15 U.S.C. 1681i ( a ) ) and FCRA 623 ( a ) ( 2 ) ( 15 U.S.C. 1681s-2 ( a ) ( 2 ) ), credit bureaus and furnishers are required to promptly correct or remove any inaccurate information, and I am requesting that this address be deleted from my file. 
In addition, my credit report lists a XXXX account ending in XXXX with a balance of {$0.00}, which is being reported as a collection. This account is not mine and is the result of identity theft. The FCRA 605B ( 15 U.S.C. 1681c-2 ) gives me the right to block fraudulent or identity theft-related information, and I am demanding the immediate removal of this account. 
Finally, my report is showing an inquiry from XXXX XXXX dated XX/XX/year> that I did not authorize. This violates FCRA 604 ( a ) ( 15 U.S.C. 1681b ( a ) ), which requires a permissible purpose for accessing a consumers credit file, and FCRA 619 ( 15 U.S.C. 1681q ), which prohibits the obtaining of a credit report under false pretenses. This unauthorized inquiry must also be removed

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 2025-09-01 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
under 15 USC 1681c-2 block and remove this fraudulent account immediately I did not consent to this XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Law Offices of Kenosian & Miele, LLP
State: CA

Complaint narrative:
I am writing to formally request that you cease and desist all communications with me regarding the account referenced above. This request is made pursuant to my rights under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 USC 1692d.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Firstsource Business Process Services, LLC
State: AR

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX XXXX, a debt collection company, for improper and harassing collection practices. 
This company has been sending me multiple text messages and emails demanding payment on an alleged debt. 
They have not provided me with any required written validation of the debt as required under the Fair Debt Collection Practices Act ( FDCPA 809 ). 
I have not spoken with this company by phone and I have not received any documentation supporting their right to collect. 
Their repeated electronic contacts without validation are harassing, misleading, and unlawful. 

This behavior constitutes violations of the FDCPA and potentially the FCRA, since the debt is being pursued without proper validation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: FL

Complaint narrative:
This complaint is a follow-up to the CFPB complaint I submitted on XX/XX/year>, regarding inaccurate reporting of [ specific account ( XXXX ) ] by Equifax. Despite the previous submission, the issues have not been resolved. I am requesting that Equifax review, verify, and correct or remove these inaccurate entries as required under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: DE

Complaint narrative:
My Experian credit report shows inaccurate and duplicate accounts, including XXXX Funding, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX. Crew, XXXX XXXX XXXX XXXX & Co XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX XXXX. These tradelines report inconsistent balances, duplicate entries, and incorrect statuses. This violates the Fair Credit Reporting Act ( 15 U.S.C. 1681e ( b ) and 1681i ( a ) ). I request reinvestigation and removal or correction of these errors.

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 2025-09-01 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:
Repeatedly all three major bureaus has violated and trampled upon the FCRA provisions the disallows the reassertion of accounts that were birth from true identity theft. See attached descriptive letter attached which highlights the relative laws and case precedence..

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: GA

Complaint narrative:
Repeatedly all three major bureaus has violated and trampled upon the FCRA provisions the disallows the reassertion of accounts that were birth from true identity theft. See attached descriptive letter attached which highlights the relative laws and case precedence..

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 2025-09-01 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:
I am submitting this complaint against XXXX XXXX which is reporting a fraudulent and unverifiable account on my consumer credit file. 

Creditor/Agency Name : XXXX Amount XXXX : {$0.00} Status Reported : Closed This account is not mine and has not been properly validated. I have disputed this account with the credit bureaus and provided supporting documentation, including my identity theft report, government-issued ID, and proof of address. Despite these actions, the account remains on my file. 

Violations : FCRA 15 U.S.C. 1681c-2 ( 605B ) : Requires blocking and deletion of fraudulent accounts upon submission of proper documentation.

FCRA 15 U.S.C. 1681i : Requires credit bureaus to conduct a reasonable reinvestigation of disputed accounts within 30 days.

FDCPA 15 U.S.C. 1692e : Prohibits furnishing false or misleading information regarding debt. 

Requested Relief : XXXX blocking and permanent deletion of this account from all credit reports. 

Written confirmation of deletion provided to me. 

XXXX action against XXXX for violations of the FCRA and FDCPA. 

This fraudulent account is harming my credit profile and financial standing. I request CFPB intervention for immediate correction.

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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
TransUnion is reporting materially inaccurate and incomplete information on a XXXX XXXX  revolving account, in violation of the Fair Credit Reporting Act ( FCRA ). 

Details of Complaint : TransUnion is reporting a XXXX XXXX  revolving account ( Account Number ending XXXX ) with the following issues : The account is listed as charged off as bad debt but continues to show a balance of {$860.00} and a past due amount of {$860.00}. Once charged off, balances and past-due statuses should not continue to report. 

TransUnion reports no payment history available, yet still marks the account derogatory. This is incomplete and unverifiable reporting. 

The account is being factored at 156 % utilization ( {$860.00} vs {$550.00} limit ) despite being closed and charged off. This is misleading and materially harmful to my credit profile. 

These contradictions and omissions fail to meet the standard of FCRA 607 ( b ) ( maximum possible accuracy ).

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 2025-09-01 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: AL

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the account ( s ) listed below were returned as " verified '' without providing me with the details of the investigation. 

Accounts : 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account. 

A description of the procedures used to verify the accuracy and completeness of the disputed account. 

All documentation you have on file retrieved during your investigation. 

Who did you interview regarding the aforementioned account? 

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information. 

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within XXXX business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ;

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: AL

Complaint narrative:
I am sending regarding the results of the recent dispute I submitted concerning the accuracy and completeness of the information being reported on my credit file. I appreciate your investigation, but I disagree with the outcome, as the account ( s ) listed below were returned as " verified '' without providing me with the details of the investigation. 

Accounts : 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 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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  In accordance with the Fair Credit Reporting Act ( FCRA ) & undefined ; 611 ( a ) ( 7 ), I am requesting the method of verification used to determine the accuracy of the disputed items. Please provide the following information for each disputed account : The name, address, and contact information of the entity that provided the information you used to verify the account. 

A description of the procedures used to verify the accuracy and completeness of the disputed account. 

All documentation you have on file retrieved during your investigation. 

Who did you interview regarding the aforementioned account? 

Additionally, I must note that the creditor failed to report the dispute to the consumer reporting agencies as required under FCRA & undefined ; 623 ( a ) ( 3 ). This failure to provide notice of the dispute is a violation of the FCRA, which further undermines the integrity of the reported information. 

I am requesting proof that an actual investigation was indeed conducted and all of the above-requested documentation be sent to me, by mail, within XXXX business days! Given the lack of proper verification and the violation of FCRA obligations, I also request that this account be deleted immediately from my credit report to prevent any further damage to my financial well-being. & undefined ;

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