vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: PA

Complaint narrative:
I am disputing a rental-related debt that XXXX XXXX XXXX  sent to collections. I made repeated written attempts through their tenant portal and email to clarify my final balance and arrange a payment plan before my move-out. Despite this, they never responded and escalated the account to collections without any follow-up. 

Here is a summary of my documented communications : XX/XX/XXXX I notified them that I would need a payment arrangement for XXXX rent and gave advance notice that XXXX rent would be late. 

XX/XX/XXXX I followed up again about the XXXX payment plan and updated the expected XXXX payment date. 

XXXX I confirmed again that XXXX would be my last month and asked if a payment plan was still possible. 

XX/XX/XXXX After receiving the collection notice, I sent a formal request asking why no one had followed up and restating that I had requested a payment plan multiple times. 

I also spoke with two members of the leasing office in person, both of whom said they would look into the payment plan. Still, I received nothing in writing and no final balance before the account was sent to collections. 

I am requesting that the CFPB investigate this mishandled communication and help ensure the debt is either removed or reviewed properly with my evidence.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Formal Dispute XXXX XXXX or XXXX under 15 U.S.C. 1681b To Whom It May Concern, I am writing to formally dispute what I believe to be unauthorized access to, or furnishing of, my consumer credit report by XXXX XXXX XXXX XXXX and XXXX XXXX XXXX as shown on my Experian credit report. 
Under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681b, a consumer reporting agency may furnish a consumer report only under certain conditions, including with the written instruction of the consumer. I have never given written consent or authorization to either of the aforementioned entities to access or furnish any information regarding my credit. 
Accordingly, I am demanding the following : XXXX. A complete investigation into the reporting or inquiry conducted by XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX. 
XXXX. Immediate removal of any unauthorized inquiry or derogatory entry associated with these entities from my Experian credit report. 
XXXX. A written statement confirming the outcome of your investigation, as required by law. 
This letter serves as a formal dispute and demand for correction under the FCRA. If the investigation confirms that no permissible purpose existed, I expect all associated records to be deleted promptly. Failure to comply may result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), and I will consider seeking damages through civil litigation. 
Enclosed,

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : XXXXXXXX XXXX XXXXXXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXXXXXX XXXX  Date : XX/XX/XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX XXXX  Date : 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 2025-07-17 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: NV

Complaint narrative:
I was recently traveling and, during that time, I lost my wallet and became a victim of identity theft. As a result, several fraudulent accounts and inquiries appeared on my credit report. I did not authorize or open any of these accounts or inquiries, they do not belong to me and are the result of fraud. 

Also, my accounts were always on time! I have a wonderful payment history, and every payment was set up on autopay. They processed the transaction incorrectly on their end, which is why this late payment is being reported.

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 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: GLOBAL SOLUTION BIZ LLC.
State: GA

Complaint narrative:
This is a formal complaint against Global Solution Biz LLC and their representatives, including XXXX XXXX and XXXX XXXX XXXX, XXXX. 

I have been repeatedly contacted by XXXX XXXX regarding an alleged debt. I have sent multiple cease and desist notices and demanded full validation of the debt under 15 U.S.C. 1692g. To this day, no documentation has been provided. 

Most recently, I received a new communication from Attorney XXXX XXXX, who claims to represent Global Solution Biz LLC . He has threatened legal action, demanded asset discovery, and implied post-judgment enforcement even though no court case has been filed and no debt has been validated. 

XXXX XXXX is using an email address from the XXXX, but he is not listed as an officer or agent for the company in any public record. I have requested clarification of his authority to act on their behalf, but I have received no verification. 

These threats are premature, misleading, and in direct violation of multiple provisions of the Fair Debt Collection Practices Act, including : 1692g ( b ) Failure to validate the debt after written dispute 1692e ( 2 ) ( A ) False representation of legal status 1692e ( 5 ) Threatening legal action not taken or permitted 1692f Unfair and unconscionable means of collection These actions have caused undue stress, fear, and financial harm. The company and its representatives continue to contact me in bad faith without meeting the basic legal requirements of verification. 

I have reviewed public complaints filed against Global Solution Biz LLC, including reports submitted to the XXXX. These reports reflect a consistent pattern of abusive, threatening, and coercive debt collection practices. My experience aligns with this behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : 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 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

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 2025-07-17 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: MD

Complaint narrative:
A fair resolution would be the permanent deletion of the inaccurate late payment reported under the following account : XXXX Account Number : XXXX The creditor failed to provide proper notice of payment due dates or any missed payment, which deprived me of the opportunity to resolve or prevent the delinquency. This is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 1681e ( b ), 1681s-2 ( a ) ( 1 ) ( A ), and 1681i ( a ).

If the creditor can not verify that they provided clear and timely payment reminders, the late mark must be considered unverified and inaccurate and should be removed.

I am requesting : A full reinvestigation of the account Written confirmation of the investigations findings Deletion of the late payment from my credit report if the furnisher can not prove proper notice An updated credit report reflecting these changes If this issue is not resolved fairly within the FCRA-required 30-day window, I will proceed with escalating the matter through regulatory and legal channels.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

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

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kohn Law Firm S.C.
State: IL

Complaint narrative:
This is a formal update to CFPB complaint numbers XXXX and XXXX. I am notifying the CFPB that I have also submitted a consumer complaint to the Illinois Attorney General against both Kohn Law Firm, S.C. and XXXX XXXX XXXX XXXX XXXX, based on continued violations of the Fair Debt Collection Practices Act ( FDCPA ) and Fair Credit Reporting Act ( FCRA ). Specifically, these violations include : FDCPA 1692g ( b ) : Neither Kohn nor XXXX provided proper validation of a disputed debt within the 30-day statutory period after receiving my written dispute. Instead of ceasing all collection activity as required by law, they proceeded to continue collection efforts without satisfying their validation obligations. FDCPA 1692e ( 2 ) ( A ) and 1692e ( 10 ) : Kohn Law Firm submitted an affidavit governed by Missouri law, despite my Illinois residency. This tactic misrepresents the legal significance of the documents and creates jurisdictional confusion, constituting deceptive and abusive conduct under the FDCPA. FDCPA 1692g ( b ) & 1692e ; FCRA 1681s-2 ( b ) : The so-called validation materials provided were legally inadequate. These included : Outdated and disorganized billing statements lacking relevance or chain of account history, A generic XXXX letter with no personal account identifiers, A Certificate of Conformity and affidavit based on Missouri law, irrelevant to my jurisdiction, No proof of assignment, original contract, or legal right to collect the debt. These documents do not satisfy the legal requirements for validation under the FDCPA or justify continued credit reporting under the FCRA. Despite this, collection and reporting activity continued. This misconduct has caused significant harm, including : Emotional distress and XXXX  from unlawful and intimidating communications, Fear of litigation due to misleading documents and refusal to halt activity during the dispute, Tangible credit damage, including denials of credit and increased financial hardship. As a XXXX XXXX with no income, these practices impose disproportionate harm and violate my rights under federal consumer protection laws. I have attached Exhibit A, confirming my complaint is now under review by the Illinois Attorney General for the same violations reported here. Please retain previously submitted evidence from CFPB complaint numbers XXXX and XXXX, including the Kohn/XXXX  response packet and proof of dispute. I request full review and follow-up based on the updated legal posture and multi-agency involvement. I request that the CFPB incorporate this update into its case file, re-engage with the companies involved, and ensure full compliance. Supporting documentation is available upon request.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or 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 are badly hurting 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 non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Georgia Student Finance Authority
State: NE

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint and request assistance regarding a student loan that is currently being reported on my credit report, which I believe should be in deferment status due to my XXXX XXXX military service. 

Back in XX/XX/year>, I submitted a complaint to the CFPB regarding a student loan connected to XXXX XXXX XXXX and managed by the Georgia Student Finance Commission ( GSFC ). I explained that I was on XXXX XXXX military service and was requesting for the loan to be deferred in accordance with my rights under the Servicemembers Civil Relief Act ( SCRA ). 

Following that submission, I was contacted and asked to provide my official military orders as proof of my service. On XX/XX/year>, I emailed my military orders to the Georgia Student Finance Commission, as requested. I have timestamped screenshots of both the email I sent and the message where they requested the orders. 

After receiving no response, I followed up with GSFC on XX/XX/year>, asking if any additional documentation was needed. A few days later, I received a reply saying that no further documents were needed and that I would be contacted once a decision was made. 

Since then, I have not received any further communication from them. Despite having submitted the requested military documentation and following up in good faith, no action has been taken on my account, and I have been expected to continue making payments. As a result, this loan is still negatively impacting my credit, despite my active military status and timely attempts to resolve the matter. 

I am requesting that the CFPB step in again to ensure that the Georgia Student Finance Commission honors my deferment request as required by law. I also ask that they update the credit reporting accordingly to reflect that the loan should have been in deferment since the date my military service began. 

I am happy to re-provide all documentation, including : My original military orders Screenshots of the emails sent on XX/XX/XXXX and XX/XX/XXXX Screenshots of their response The loan account information I appreciate your assistance in helping resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the XXXX XXXX XXXX. 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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXX XXXX, Tx XXXX XXXX To : TransUnion Consumer Solutions XXXX. XXXXXXXX XXXX XXXXXXXX, PA XXXX Subject : Formal Dispute of Inaccurate Information on Credit Report Request for Immediate Removal Dear TransUnion Dispute Department, I am writing to formally dispute inaccurate information that appears on my credit report issued by TransUnion. These inaccuracies are not only incorrect but are also negatively affecting my financial well-being, my creditworthiness, and my ability to obtain fair lending opportunities. 

The following item ( s ) on my credit report are incorrect and must be immediately investigated and 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 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: ENOVA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
I submitted a formal dispute to XXXX  XXXX XXXX XXXX XXXX  ) following the denial of my credit application. In my written communication, I requested a detailed and specific explanation of the adverse action taken against me, beyond the vague references to scoring models such as the XXXX  XXXX XXXX XXXX and XXXX XXXX XXXX XXXX. I cited my rights under the Fair Credit Reporting Act ( FCRA 1681m ( a ) ) and Regulation B of the Equal Credit Opportunity Act ( ECOA ), which require creditors to disclose the principal reasons for a credit denial in a way that is clear and understandable. 

Additionally, I requested confirmation of whether a soft or hard inquiry was conducted and at what point in the application process that occurred. XXXX marketing materials led me to believe only a soft inquiry would be made ; if a hard inquiry was used without my informed consent, that would constitute a deceptive practice under FCRA 1681b and the FTC Act. 

I also requested full file disclosure of any and all data used in their decision-making process, including but not limited to files or scoring information from XXXX, XXXX, and XXXX. Lastly, I asked that the adverse action be withdrawn and my application reconsidered if any legal violations are confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint with reference number XXXX. Please block and remove all information from my credit report, and send me an updated copy of my credit report. 

The following items do not belong to me and are a result of fraud that I did not authorize : XXXXXXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation