vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-24 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: PA

Complaint narrative:
NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. I intend to pursue litigation in accordance with the FCRA to seek relief and recover all monetary damages that I may be entitled to under Section 616 and Section 617 if the UNVERIFIED items listed below are not deleted immediately. A copy of this letter as well as copies of the three written letters sent to you previously will also become part of a formal complaint to the Federal Trade Commission and shall be used as evidence in pending litigation provided you fail to comply with this offer of settlement.

Despite three written requests, the unverified items listed below still remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your investigations, you stated in writing that you verified that these items are being reported correctly? Who verified these accounts? You have NOT provided me a copy of ANY original documentation ( a consumer contract with my signature on it ) as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore, you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ). Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified.

The law is very clear as to the Civil liability and the remedy available to me ( Section 616 & 617 ) if you fail to comply with Federal Law. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA.

I demand that the following accounts be verified or deleted immediately. 

XXXX XXXX XXXX Account Number XXXX Date Open XX/XX/XXXX Balance {$430.00} XXXX XXXX Account Number XXXX Date Open XX/XX/XXXX Balance {$94.00} XXXX XXXX Account Number XXXX Date Open XX/XX/XXXX Balance {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 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: GA

Complaint narrative:
Subject : IMMEDIATE ACTION REQUIRED Aggressive Dispute of Fraudulent Accounts, Collections, and Inquiries Under XXXX U.S.C. XXXX ( FCRA XXXXB ) To Whom It May Concern, This letter serves as a formal and urgent dispute concerning fraudulent accounts, collections, and credit inquiries reported on my Experian credit report without my knowledge, consent, or authorization. I am a documented victim of identity theft due to a recent data breach, and I did not open, authorize, or initiate the items listed below. 
Under XXXX U.S.C. XXXX ( FCRA XXXXB ), Experian is legally required to block and permanently remove this identity theft-related information within four ( 4 ) business days of receiving this dispute and supporting documentation. 
________________________________________ Listed below are the Accounts that are being challenged : XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX ________________________________________ Listed below are the Collections that are being challenged : 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 ________________________________________ Listed below are the Inquiries that are being challenged : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ________________________________________ These unauthorized entries are seriously damaging my credit and financial standing. Failure by Experian to take immediate corrective action will result in formal complaints being filed.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I have identified serious billing errors under 15 U.S. Code 1666 ( b ) on my credit report, including unverified late payment marks and the creditor 's failure to accurately reflect payments and credits. Despite my prior formal request for evidence substantiating these late marks, the creditor has failed to provide any legally required proof of investigation or verification. Furthermore, the creditor did not issue a proper billing statement at least XXXX  days before the due date, as mandated by law, rendering any late payment reporting invalid. This blatant disregard for accurate reporting is unacceptable. I demand that these inaccuracies be immediately corrected by updating the items to 'Paid as Agreed ' or removing them entirely from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Professional Finance Company, Inc.
State: TX

Complaint narrative:
In my prior CFBP Complaint XXXX, PFC Debt collector did not provide any supporting document of me signing or accepting any liability of payment for XXXX. 

I have consistently stated that I confirmed prior to getting a referral and making a visit that this was fully covered by Insurance and that XXXX XXXX XXXX XXXX, Texas also acknowledged on XX/XX/year> when I booked appointment with them. This is also reflected in my attached XXXX phone records on the chronology that I called XXXXXXXX XXXX XXXX Then I got the referral from Doctor post confirming with Insurance first and thereafter I called XXXX and reconfirmed the same. 

The date timestamp of calls and Doctor referral also shows that. Also that XXXX has not presented any proof of my accepting any liability shows that XXXX on date of service also was aware and confirmed the same that I owe nothing. However I am surprised that due to potential accidental billing error I have been sent a bill that I am not responsible for and there after sent to collection and then adverse remark put on my credit report for non payment. 

This is clearly against law and blackmailing and unless PFC gathers supporting document to support their case, I demand that anything on my credit report file be immediately removed. 

PFC will be Jointly and Severally held liable along with XXXX for all damages.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: MN

Complaint narrative:
I have tried to obtain my credit report, my credit score, and reset my password for several years. Experian has a unrecognized phone number and email address associated with my personal information, however, I have never had any other reports or problems with my personal information and the other two credit reporting agencies have my correct information. Once in a while, I can log into Experian, but I can not dispute any of the transactions I have been trying to for years and there is no way to contact them. The only option they give you is to freeze your account which I do not need because I do not have any identity theft it is only Experian that has this weird information. My personal information is Public and every government agency can verify me through my cell phone number, address, birthdate, etc., except for Experian. This has delayed many important life events.

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 2025-05-24 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: IL

Complaint narrative:
Please note the above referenced accounts were opened FRAUDULENTLY ; as a result of Identity Theft. My information was compromised & fraudulently used without my permission. My name, social security number, along with fake addresses, emails & phone numbers were also fraudulently used by the fraudster ( 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 2025-05-24 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: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the ( equifax ) reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. I am filing this FTC Identity Theft Affidavit to report multiple fraudulent collection accounts appearing on my consumer FICO Equifax credit report, which I do not recognize and are the result of identity theft and fraud. These fraudulent accounts consist of : - A collection account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under account number XXXX. 
- A collection account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under account number XXXX. 
- A collection account opened at XXXX XXXXXXXX XXXX on XX/XX/XXXX under account number XXXX. 
- A collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX. 
- A collection account opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX. 

These accounts have resulted in several fraudulent collections appearing on my consumer FICO credit report. I demand that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws. 
All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: T.S. Holdings
State: TX

Complaint narrative:
1.What happened?

I discovered an eviction/debt entry on my tenant screening report furnished by IQ Data XXXX XXXX XXXX XXXX 



Original landlord or property : XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX, I submitted a dispute and provided documentation showing that the debt was paid/settled or the information was inaccurate/outdated. IQ Data acknowledged receipt but refused to correct or remove the entry. I have attempted to negotiate a payfordelete settlement on but they would not budge.

2.Why is this wrong? 







The information is inaccurate the amount your stating I owe is invalid and wrong and I have proof the tenant did not not keep promise on a home that was not livable XXXX and was infested neighbors who left junk and drug dealers they dont allow you to view house w/o signing lease!!!! the realtor was a XXXX and a XXXX The information is incomplete or unverifiable ( IQ Data has not provided a signed lease or court judgment ). 
I provided proof of payment/settlement on via voice call XXXX yet the entry remains. 
This negative item is harming my ability to secure housing and constitutes a violation of the Fair Credit Reporting Act ( 15U.S.C. 1681 ) and the Fair Debt Collection Practices Act.

3.What would you like done about it? 





I request that the CFPB investigate IQ Data XXXX for failing to comply with FCRA dispute requirements, and direct them to : Remove or correct the inaccurate/incomplete eviction entry from my tenant screening report. 
Provide written confirmation to me within 15business days that the item has been deleted or corrected. 
Cease any further collections or reporting on this matter. 


Date of birth XX/XX/year> Email : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: U.S. BANCORP
State: NV

Complaint narrative:
was charged 3 overdraft fees on my U.S. Bank account after turning off my debit card to prevent further transactions. I was told by customer service and at a branch that they could not reverse any fees, even though these were caused by subscription charges I was trying to block. 

Ive never let my account fall behind like this before, and Ive made every effort to pay regularlyeven during financial hardship. I asked for just a partial refund of the fees ( not all ), but I was denied. Ive been trying to resolve this through all available channels, and Im now asking for help to have a few of these fees reversed as a good faith gesture.

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 2025-05-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I paid LVNV FUNDING LLC in full and they still did not remove collection off my credit report.Im seeking that the collection be removed from my credit report and that my credit file be updated and collection be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-25 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: OK

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX 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, has violated my rights. 

I looked at my Experian credit report on XX/XX/2025, and noticed some things are incomplete and not accurate. and according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15 USC 1681 5 they are supposed to do this (
5 ) Treatment of inaccurate or unverifiable information ( A ) In generally, 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 consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681s-2 they are supposed to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

15 U.S.C. 1681B ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-05-24 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: IN

Complaint narrative:
I have a XXXX credit card with a XXXX balance. I can sign into my account and the balance is {$0.00}. XXXX XXXX and XXXX  are showing I have a balance of over {$6000.00} and a {$10000.00} limit. My limit is only {$3800.00} with a {$0.00} balance. This reported information is completely innacurate. When I disputed this, it was denied. If this is accurate someone else opened a card in my name because this 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 non-monetary relief
Consumer complaint received 2025-05-24 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: FL

Complaint narrative:
Aldous & Associates is attempting to collect {$270.00} for a XXXX XXXX debt I never lawfully agreed to. They provided a membership agreement dated XX/XX/2024 under the name XXXX XXXX in all caps, with no wet-ink or biometric signatureonly digital consent, which is not binding on the living man. I initially paid {$1.00}, but theres no breakdown explaining how it ballooned to {$270.00}. They failed to provide : A wet-ink contract, Proof of XXXX assignment, A valid itemized breakdown. 
The terms are heavily one-sided : auto-renewals, excessive collection fees ( up to 50 % ), and vague billing practices. This is deceptive and violates the FDCPA ( no proper validation ) and FCRA ( reporting an inflated, unjustified amount under a legal fiction name ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-24 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:
In XX/XX/XXXX, I noticed unauthorized accounts on my credit report that I never opened. These accounts were created without my permission or awareness and seem to be the result of identity theft or misuse of my personal information. The fraudulent accounts include : XXXX- Auto Loan- opened in XXXX XXXX XXXX XXXX- Unsecured loan- opened in XXXX XXXX XXXX XXXX  Original Creditor : XXXX XXXX XXXX  - collection- opened in XX/XX/XXXX XXXX  XXXX Original Creditor : XXXX XXXX XXXX XXXX - collection . opened in XX/XX/XXXX XXXX- Credit Card- opened in XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX opened on XX/XX/XXXXXXXX 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