vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 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: National Credit Systems,Inc.
State: NY

Complaint narrative:
Unverified and Fraudulent Debt Reporting To National Credit Systems Inc. This is my final demand that you immediately and permanently cease and desist from reporting, attempting to collect, or otherwise pursuing the following fraudulent, unverified collection accounts that you have no legal right to claim Creditor : National Credit Systems , IncXXXX Account number XXXX. I have previously disputed this account through certified mail, and Experian. I have proof that you received and signed for my dispute letter. Despite this, you ignored my legal request and continued to violate my rights by illegally re-reporting these fraudulent debts. Your deliberate disregard for my legal rights demonstrates intentional noncompliance and bad faith. You Are Not the Legal Owner of This Debt & Have No Right to Collect. I have never entered into any contract or agreement with National Credit Systems. You did not provide any service, credit, or goods to me, and you can not legally claim ownership of these debts. If you can not provide a signed contract proving I agreed to this debt, along with a purchase agreement then you must immediately remove these accounts and permanently cease all further action regarding them. 3. You Are Violating the Fair Credit Reporting Act ( FCRA ) FCRA 611 ( a ) ( 5 ) ( B ) Illegal Reinsertions You reinserted previously disputed accounts without providing the required written notice and verifiable documentation. This is a clear, willful violation of federal law and carries legal consequences. FCRA 623 ( a ) ( 3 ) Reporting False Information You are knowingly misreporting and damaging my credit with unverifiable, false debts. This is a direct violation of the FCRA, and I will hold you accountable if this does not stop immediately. 4. You Are Violating the Fair Debt Collection Practices Act ( FDCPA ) FDCPA 809 ( b ) Failure to Validate Debt If a consumer disputes a debt, you are required to provide full legal validation proving ownership and the right to collect. You have failed to do this, meaning your collection attempts are fraudulent and unlawful. Please remove this account from all reporting databases ( XXXX  XXXX XXXX, XXXX, XXXX, and any other rental screening agencies ). Permanently cease and desist from any further reporting, collection attempts, or contact regarding these fraudulent accounts. Provide written confirmation that these accounts have been permanently removed. I have given you multiple opportunities to correct these violations, and I have proof that you received and ignored my disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I am filing this complaint because I.C. System Inc. is trying to collect a debt from me that I do not believe is valid. I sent them a formal dispute letter on XX/XX/year>, asking for proof of the debt as required by the Fair Debt Collection Practices Act ( FDCPA ) and the Fair Credit Reporting Act ( FCRA ). 

Instead of giving me proper validation ( like a signed contract, full account history, or proof they have the legal right to collect ), they only sent a basic billing statement. That is not enough under the law.

Even worse, they are still reporting this debt on my credit report even though it is disputed and unverified. This is against the law under both the FDCPA and FCRA.

I.C. System is breaking the law by : Trying to collect without proving I owe the debt Reporting false or incomplete information to credit bureaus Not properly investigating my dispute I asked them to stop collecting, delete the account from my credit reports I have also attached a copy of the complaint I plan to file in court.

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 2025-05-12 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: MO

Complaint narrative:
I am filing a complaint regarding an account inaccurately listed on my credit report by XXXX XXXX XXXX XXXX # XXXX and reported through Equifax, Experian, & TransUnion. I previously submitted a formal dispute to the credit bureau ( s ) and provided supporting documentation showing that the account is either not mine, has been paid, or is being misreported.

Despite the evidence, the account remains on my credit report, which is causing harm to my credit score and overall financial situation. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that inaccurate or unverifiable information be corrected or deleted within 30 days of a dispute.

I am requesting the CFPB to investigate this issue and ensure that the credit reporting agencies and the furnisher of the information comply with federal regulations by removing the inaccurate entry from my credit report.

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 2025-05-12 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: MO

Complaint narrative:
I am filing a complaint regarding an account inaccurately listed on my credit report by XXXX XXXX XXXX XXXX # XXXX and reported through Equifax, Experian, & TransUnion. I previously submitted a formal dispute to the credit bureau ( s ) and provided supporting documentation showing that the account is either not mine, has been paid, or is being misreported.

Despite the evidence, the account remains on my credit report, which is causing harm to my credit score and overall financial situation. I believe this is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that inaccurate or unverifiable information be corrected or deleted within 30 days of a dispute.

I am requesting the CFPB to investigate this issue and ensure that the credit reporting agencies and the furnisher of the information comply with federal regulations by removing the inaccurate entry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: NC

Complaint narrative:
I am a victim of trafficking. The information listed below, which appears on my credit report, is the result of that trafficking. 



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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: GA

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: I.C. System, Inc.
State: TX

Complaint narrative:
XXXX XXXX, a medical company, sold my information and debt to I.C System Inc. This is a HIPPA violation. This is illegal and I should no longer owe this debt. I did not receive any information in the mail regarding this.

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 2025-05-12 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 disputing a collection account reported by XXXX XXXX XXXX on behalf of XXXX XXXX XXXX, appearing on my credit reports with Experian, Equifax, and TransUnion. This account reflects a balance of {$960.00} with an open date of XX/XX/year>2023, and has been consistently reported as past due without any payment updates. 

I exercised my rights under the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ) by requesting a full validation of the debt. The response I received was deficient and failed to satisfy the statutory requirements. Specifically, XXXX XXXX did not provide : Proof of ownership of the debt ; The Flow Agreement or other servicing contracts showing authority to collect ; Assignment documents or a chain of custody from the original creditor to XXXX XXXX ; A Bill of Sale showing legal transfer of the debt ; A signed contract or agreement binding me to the debt ; Any itemized statement showing how the {$960.00} balance was calculated ; The Date of First Delinquency ( DOFD ) which is required for accurate aging of the debt under Metro 2 and FCRA guidelines. 

Despite failing to provide the above, XXXX XXXX continues to furnish monthly updates to the credit bureaus, marking the account as " in collection '' with status codes indicating delinquency. This may constitute unlawful re-aging, as there have been no payments or updates since the account was opened. 

Because the collector has failed to provide sufficient evidence that : They legally own or have been assigned the debt, They are authorized to report or collect the debt, The amount is accurate and legally owed, I am requesting that this unverifiable and potentially inaccurate account be immediately removed from my credit reports. Attached are the inadequate validation response and screenshots from my credit reports.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have previously disputed the above referenced account on XX/XX/year>. This item was deleted from the credit file on the subsequent credit report of XX/XX/year>. However, now this item has reappeared on my credit report. 
In accordance with the requirements of the FCRA, I am hereby requesting your complete compliance with any and all of the provisions listed below and permanently remove this item. 
FCRA 611, Procedure in case of disputed accuracy { 15 U.S.C. 1681i ] Requirements relating to reinstatement of previously deleted material.

Certification of accuracy of information. If any information is deleted from a consumer & file pursuant to subparagraph ( A }, the information may not reinserted in the file by the consumer reporting agency unless the person who furnishes the information certifies the information is complete and accurate. 
If any information that has been deleted from a consumer & # XXXX ; XXXX file pursuant to subparagraph ( A ) is reinserted in the file, the consumer reporting agency shall notify the consumer of the reinsertion in writing not later than XXXX business days after the reinsertion or, if authorized by the consumer for that purpose, by any other means available to the agency. Additional information. As part of, or in addition to, the notice under clause ( ii }, a consumer reporting agency shall provide to a consumer in writing no later than XXXX business days after the reinser ( tIio ) n datea. statement that the disputed information has been reinserted ; ( II ) the business name and address of any furnisher of information contacted and the telephone number of such furnisher, if reasonably available, or of any furnisher of information that contacted the consumer reporting agency, in connection with the reinsertion of such information; and ( III ) a notice that the consumer has the right to add a statement to the consumer & # XXXX ; XXXX file disputing the accuracy or completeness of the disputed information. 


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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TX

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX 

XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$530.00} XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$2400.00} XXXXXXXX XXXX XXXX XXXXXXXX XX/XX/XXXX -- {$2400.00} XXXX XXXX # XXXX XX/XX/XXXX -- {$310.00} XXXX XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$1800.00} XXXX XXXX XXXX # XXXX XX/XX/XXXX -- {$230.00} XXXX # XXXX XX/XX/XXXX -- {$100.00} UNAUTHORIZED INQUIRIES : XXXX XX/XX/XXXX XXXX XX/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 2025-05-12 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: TX

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

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 2025-05-12 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: FL

Complaint narrative:
I submitted multiple, detailed written disputes directly to Equifax, challenging the accuracy, completeness, and legal compliance of several accounts, hard inquiries, and personal information listed on my credit report. Despite citing specific FCRA sections and Metro 2 standards, Equifax failed to conduct a proper reinvestigation and continues to report inaccurate, unverifiable, and non-compliant data.

These actions violate the following laws : 15 U.S.C. 1681i failure to conduct a reasonable reinvestigation within 30 days ; 15 U.S.C. 1681e ( b ) failure to follow reasonable procedures to assure maximum possible accuracy ; 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) furnishers duty to report complete and accurate data ; 15 U.S.C. 1681g ( a ) failure to disclose sources and procedures used to verify disputed data ; 15 U.S.C. 1681b ( c ) and 1681b ( f ) unlawful and unauthorized credit inquiries ; FCRA 605B ( 15 U.S.C. 1681c-2 ) prohibition against reporting unverified, identity theft-related, or unauthorized accounts.

I am disputing and requesting permanent deletion of the following inaccurate or unverifiable accounts : XXXX XXXX XXXX XXXX Accounts # XXXX * * * * * * * * * *, # XXXX * * * * * * * * * XXXX XXXX  Account # XXXX * * * * * * XXXX Account # XXXX * * * * * * * * * * The following unauthorized hard inquiries also require immediate removal : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The challenged accounts reflect : False or unverified late payments and CollectionOrChargeOff statuses Deviations from required Metro 2 fields such as account status, date opened, payment status, and balance Improperly coded dispute statuses marked as N despite active, unresolved challenges Lack of documentary proof of account ownership, permissible purpose, or verified billing history Equifaxs continued reporting of unverifiable data after receiving formal disputes is a direct violation of the FCRA and demonstrates willful disregard for consumer protections. Case law including XXXX v. XXXX, XXXX XXXX XXXX, and Guimond v. TransUnion affirms that failure to conduct a meaningful investigation or to remove unverifiable information can establish liability under federal law. 

Please see the attached FTC Identity Theft Report and my prior written dispute letters submitted to Equifax.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 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:
Hello, I am reaching out to follow up on my previous letter wherein I requested the removal of fraudulent items from my credit report. I am once again formally requesting Experian, Equifax, and XXXX  Credit Bureaus to comply with the requirement to remove the fraudulent items identified in my Identity Theft Report. Below, you will find the listed items that I am urging to be promptly removed from my credit file. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they 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 non-monetary relief
Consumer complaint received 2025-05-12 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: CA

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. I am appealing to you to take swift action on this matter at your earliest convenience. Please correct the listed account above. Thank you. 
XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  Balance : {$220000.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Mr. Cooper Group Inc.
State: SC

Complaint narrative:
My loan was transferred to Mr.Cooper from XXXX Bank in XXXX. I was affected by XXXX XXXX and entered in a 3 month disaster relief forbearance plan that ended on XXXX XXXX. Upon my loan being transferred, I reached out to Mr. Cooper to confirm that my loan was in the disaster relief forbearance which they acknowledge. At the end of the forbearance, I reached out to Mr. Cooper to set up a payment and advised that I could not pay 3 months of payments to bring the account current. I applied for a loan modification and the agent stated that I should receive a notification within 30 days if the loan modification was approved. I did not hear from Mr.Cooper in regards to the loan application. I reached out again at the beginning of XXXX and the agent confirmed my application and would push my application through and I should receive an answer within XXXX to 7 days. I reached out again to check on the status of my application and was advised that my loan waa entered into another forbearance that would end on XX/XX/XXXX. I informed the agent that I was not aware of the forbearance and no one communicated that to me and I was trying to get assistance with a loan modification. At the end of XXXX I applied again for the loan modification and I am still awaiting a response and int he meantime I received a default letter in the mail. I reached several times to check on my application with no updates other than the agent asking me the same XXXX question to apply for the loan modification that I have been asked several times since XXXX with no help. I have called and express my concerns of going into to foreclosure due to the length of time of not receiving help, Mr. Cooper has put in my account in default due to forbearance that I didnt request and I feel that hopelessness they not helping. I have been asked the same XXXX questions to enter into a loan modification within the last 5 months and my issue is still not resolved.

Company response to consumer: Closed with explanation