vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
I am writing to formally dispute inaccurate personal information appearing on my consumer credit report. I believe this incorrect data may be the result of a reporting error or potential identity theft, and I request immediate investigation and correction. 

Description of the Problem : My credit report contains the following inaccurate or unfamiliar personal information : My real name : XXXX XXXX XXXX Names I do not recognize : 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 have never used or been associated with the names listed above, and they do not reflect my identity or credit history. 

I request that the Consumer Financial Protection Bureau ( CFPB ) take the following steps : Contact the all credit reporting agencies ( Trans Union, Equifax, Experian ) to investigate and correct these inaccuracies ; Ensure that any unverifiable or incorrect information is removed from my credit report ; Provide me with written confirmation of all corrections made.

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 2025-06-19 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: CA

Complaint narrative:
Hello, I appreciate your time and attention. I am writing to formally dispute the information being reported on my credit report related to the company XXXX XXXX. There is a clear inconsistency in how the account is reported across the three major credit bureaus regarding the 'last payment date '. The dates listed on XX/XX/XXXX, and Equifax are all different for this same account, which indicates inaccurate or unverifiable reporting. 
Please note that this account has a {$0.00} balance. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this error be fully investigated and that this account be removed from all credit bureaus, including any smaller consumer reporting agencies such as XXXX and XXXX. 
I am including screenshots of all three reports clearly showing the date discrepancy, as well as my identification and address verification documents. 
Thank you so much in advance for helping me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
I was a victim of identity theft, and this is another request to remove the information from my credit file resulting from alleged identity theft. Per FCRA 605B ( 15 U.S.C. 1681c-2 ) CREDIT BUREAUS are required to remove any items not later than 4 business days after receipt. Also, the information provided on some items is UNKNOWN to me and REMOVED from other bureaus, and I have doubts about their accuracy. 
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 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 non-monetary relief
Consumer complaint received 2025-06-19 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 am reporting a privacy and FCRA violation related to a collection tradeline reported by XXXX XXXX XXXX ( Account # XXXX ) on my XXXX  credit report. 

Under 15 U.S. Code 1681b, a consumer reporting agency may only furnish a report under written instructions from the consumer. I did not provide such authorization for XXXX XXXX XXXX to report this debt. Additionally, under 15 U.S. Code 6802, I was never given proper notice or an opportunity to opt out of data sharing. 

I submitted an opt-out letter to both XXXX  and XXXX XXXX XXXX XXXX XX/XX/XXXX, revoking any and all prior consents and requesting removal of this item. This account is reported as a XXXX XXXX opened in XX/XX/XXXX, and is not authorized or verifiable with my consent. 

I request immediate deletion of this tradeline from my credit report and a formal statement ensuring it will not be re-reported. 

Attached : Copy of opt-out letter, credit report excerpt, and proof of identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: AZ

Complaint narrative:
I am contacting you regarding an account that appears on my credit report, and I am formally requesting immediate action. 

Heres the bottom line : I need you to certify, in full, that every single piece of data associated with this account actually belongs to meaccurately and verifiably. Not just the name or a partial matcheverything must be properly validated : the account ownership, dates, balances, payment history, account status, all of it. 

Im not asking this as a favor. Im exercising my legal right to dispute and verify the integrity of the data being reported under my name.

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 2025-06-19 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: 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 

FRAUDULENT ACCOUNTS : Account Name : 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 explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I am writing to you regarding the bankruptcy listed on my credit report. I would like to know the specific methods you used to obtain and very this information. 

It is important to clarify that I am not disputing the existence of this bankruptcy on my credit report. I simply wish to understand the procedures and sources used to include this information in my file. 

I would appreciate a detailed response explaining : The specific sources from which the bankruptcy information was obtained. 
The verification method used to confirm the accuracy of this information. 
Any entities or third parties involved in the process of collecting and verifying the data.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: NV

Complaint narrative:
I wasnt the one who maxed out the credit card, my XXXX XXXX  did. XXXXXXXX XXXX XXXX XXXX, i couldnt and can not afford the payments. They refuse to offer a payment plan. They have called my family. They have threatened me over the phone. I have said do not contact. I dont answer their calls anymore. They called on a toll free number and i thought it was my XXXX calling back.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX BALANCED {$6200.00} XXXX  XXXX  BALANCED {$5200.00}

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 2025-06-19 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: CO

Complaint narrative:
Under 15 U.S Code 1681e ( b ) and 15 U.S Code 1681i ( 5 ) this account in violation not reporting 100 % accurate.

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

This account has violated my rights.

Pursuant to 15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions. 

I am requesting for the original copy of the agreement & terms & condition. Failure to comply will forfeit your claims and will require you to delete the item listed above. You are required to do what i am asking and block these transactions from being reported to my consumer report WITHIN 4 DAYS from the date of the receipt of this notice. I LOOK FORWARD TO YOUR RESPONSE.

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 2025-06-19 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: NJ

Complaint narrative:
Greetings, I am sending this complaint regarding the fraudulent items on my credit file that I would like to be removed. I see that some items have been removed, but there are still more that remain. I am requesting that Experian, XXXX, and TransUnion remove all the fraudulent items from my file that were opened without my permission. Please see the listed items below that require removal. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2400.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$22000.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$2600.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$9200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5700.00} XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX 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 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CCS Financial Services, Inc.
State: KY

Complaint narrative:
To : XXXX XXXX XXXX XXXX. XXXX XXXX XXXX, MA XXXX Subject : Request for Debt Validation and Notice of FDCPA Violation To Whom It May Concern, I recently discovered a collection account from your agency listed on my credit report. This was the first notice I received regarding this alleged debt, and I have not been contacted by your agency prior to this reporting.

Under the Fair Debt Collection Practices Act ( 15 U.S.C & 1692g ), I am entitled to receive a written notice of debt and my right to dispute it. You failed to provide such notice before reporting to the credit bureaus, which may constitute a violation of the FDCPA.

Please provide me with the following information : 1. The amount of the alleged debt ; 2. The name and the address of the original creditor 3. A copy of any agreement or judgement bearing my signature 4. Proof that I am legally obligated to pay this debt to you 5. The original purchase agreement that shows you are the legal owner of this alleged debt and please include all the terms and conditions thar are included in the purchase agreement In addition, I am also requesting the following documentation : - Proof of your licensing, including your license number and bonding to collect debt in my state - A copy of the Assignment Contract or Purchase Contract authorizing you to collect this specific alleged debt - A complete and detailed payment history, including a breakdown of how the debt amount was calculated ( principal, interest, and fees ) - Information on whether any insurance claims have been filed or paid out in connection with this debt. 
- The Chain of Title showing a full legal transfer of ownership of the debt from the original creditor to your agency. 

UNTIL YOU PROVIDE PROPER VALIDATION : - Cease all collection activity - Do not contact me by phone - Remove the account from my credit report IMMEDIATELY until the debt is Validated. 

This letter serves as notice that I dispute this debt in its entirety. I also reserve the right to file complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General if my rights are not respected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not, that is considered identity theft. As per the Fair Credit Reporting Act, particularly under 15 U.S.C. 1681n, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements may be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: NV

Complaint narrative:
In reviewing my TransUnion credit report, I found a charge-off account reported by XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/year> ) with a {$0.00} balance and remarks stating charged off, purchased by another lender, profit and loss write-off, and dispute resolved consumer disagrees. These remarks are contradictory, misleading, and create an inaccurate account status. Since the account has been charged off, sold, and is no longer legally collectible by XXXX XXXX XXXX XXXX , it should not continue to reflect derogatory reporting or remain on my report under their name. 

This reporting violates the Fair Credit Reporting Act ( FCRA 607 ( b ), 611 ), which requires accurate and up-to-date information. No documentation has been provided to verify the legitimacy of the current reporting after sale. I am not disputing that the account once existed. I am disputing the way it is reported, which misrepresents the status of the debt and damages my credit profile without legal basis. 

I respectfully request the immediate removal of this tradeline from my TransUnion credit file

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 2025-06-19 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: CA

Complaint narrative:
Hello, I appreciate your time and attention. I am writing to formally dispute the information being reported on my credit report related to the company XXXX XXXX. There is a clear inconsistency in how the account is reported across the XXXX major credit bureaus regarding the last payment date. The dates listed on XXXX, TransUnion, and XXXX are all different for this same account, which indicates inaccurate or unverifiable reporting. Please note that this account has a {$0.00} balance. 
Under the Fair Credit Reporting Act ( FCRA ), I am requesting that this error be fully investigated and that this account be removed from all credit bureaus, including any smaller consumer reporting agencies such as XXXX and XXXX. 
I am including screenshots of all three reports clearly showing the date discrepancy, as well as my identification and address verification documents. 
Thank you so much in advance for helping me.

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 2025-06-19 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: Complete Credit Solutions, Inc.
State: TX

Complaint narrative:
To Whom It May Concern : This letter serves as a formal demand under 15 U.S.C. 1692c ( c ) of the Fair Debt Collection Practices Act ( FDCPA ) that Complete Credit Solutions , Inc. immediately cease and desist all communication with me regarding the above-referenced alleged debt. 

This demand includesbut is not limited tophone calls, voicemails, text messages, letters, emails, or third-party contact. The only communication permitted under law after receipt of this notice is a single letter confirming you will cease collection efforts or informing me of a specific legal remedy being pursued. 

Legal Authority and Supporting Case Law 15 U.S.C. 1692c ( c ) Consumers have the right to demand that debt collectors stop all communication. Once such a request is received, the collector must comply or face legal penalties.

XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) The U.S. Supreme Court confirmed that even attorneys collecting debt must comply with the FDCPA. 


XXXX XXXX XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) Held that debt collectors are strictly liable for FDCPA violations, regardless of whether the violation was intentional. 


XXXX XXXX XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Defined the least sophisticated consumer standard, reinforcing that misleading or overly aggressive contact is not permitted. 


XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. XXXX XXXX ( XXXX XXXXXXXX ) Ruled that even voicemails may violate the FDCPA if they pressure or mislead a consumer. 


XXXX XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Found that failure to honor a cease and desist demand makes a collector liable for statutory damages and injunctive relief. 



Notice of Legal Consequences Should Complete Credit Solutions , Inc. continue to contact me in any form after receipt of this letterother than as allowed under 15 U.S.C. 1692c ( c ) you will be in violation of federal law. I reserve the right to take legal action and seek : Statutory damages up to {$1000.00} per violation, Actual damages, and Attorney fees and costs, per 15 U.S.C. 1692k. 



Please confirm in writing within 15 calendar days that all communication has ceased and that you are complying with this request.

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 2025-06-19 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: MD

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief