vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-12-16 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: TX

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
b'Refence CFPB complaint XXXX  I previously responded to Equifax\'s request to verify my identity to process my request. I contacted Equifax and provided my identity verification documents. Spoke to a representative who said they have deleted the accounts. These AccountsI am writing to dispute information on my credit report regarding a child support obligation account furnished by the Florida Department of Revenue, Child Support Enforcement Division Being reported by XXXX and Equifax Accounts ending inXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I sent a certified dispute letter via U.S. Mail to the DOR at the address listed on my credit report for this furnisher. The certified mail receipt confirms the mailing tracking number XXXX XXXX XXXX XXXX XXXX XXXX However, the mail was returned as "RETURN TO SENDER" and "UNABLE TO FORWARD". I believe the address listed by Equifax and XXXX  for this furnisher is incorrect or non-existent and may belong to a separate entity, preventing me from exercising my right to dispute the information directly with the furnisher. Listing an inaccurate address for the furnisher is a failure to follow reasonable procedures to assure maximum possible accuracy (1681e(b)) and prevents my valid dispute from being investigated under 1681s2(b). Furthermore, the accounts are subject to an alleged violation of the 7-year reporting limit (15 U.S.C.  1681c(a)). The date of first delinquency and/or open/close dates have been manipulated (re-aging) to unlawfully extend the reporting period. Specifically, XXXX report indicates one account XXXX XXXX XXXX is set to be deleted on XXXX XXXX XXXX  which confirms the 7-year limit has been reached for at least that item. Continued reporting is a violation of the FCRA. The data furnished is materially inaccurate, incomplete, and non-congruent across CRAs (Open vs. Closed status, various dates). This constitutes a violation of the DOR\'s duty to provide accurate informationXXXX XXXX  AND EQUIFAX HAS PRODUCE XXXX XXXX XXXX XXXX XXXX  Information must be consistent across these bureaus I\'ve attached a detailed affidavit asserting under oath the following violations : INCOSISTENCIES in Material information like Status Balance etc. should be consistent across the CRA\'s  1681e(b) - Duty to Ensure Accuracy: Failure to follow reasonable procedures to ensure the maximum possible accuracy and completeness of the data.  1681s-2(b) - Duty to Investigate: Failure to investigate and correct inaccurate data after receiving notice of a dispute.  1681s-1(b) - Duty to Notify CRAs: Failure to notify credit bureaus of corrections or inaccuracies.  1681c(a) - Reporting Time Limit: Reporting derogatory items beyond the seven-year allowable limit.'

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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 XXXX USC XXXX ( b ) and XXXX USC XXXX, 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 2025-12-16 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: SC

Complaint narrative:
These inaccuracies have caused significant harm to my creditworthiness and its frustrating. Despite my multiple complaints being submitted with documentation, I believe that credit bureaus are in violation. This conduct is not a mere oversightit is a deliberate and reckless violation of federal law. By continuing to report unverifiable information after multiple disputes, the bureaus have demonstrated willful noncompliance under FCRA 1681n. Such willful disregard for statutory obligations exposes them to full statutory damages, punitive damages, and immediate enforcement action. Their pattern of behaviour reflects a conscious choice to ignore consumer rights and therefore demands decisive regulatory intervention and accountability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-12-16 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: FL

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 2025-12-16 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: FL

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 2025-12-16 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: AL

Complaint narrative:
This is my final notice before pursuing legal action regarding the unresolved issues with my credit report. Despite previous communications, the accounts in question remain unresolved and inaccurately reported. You are in breach of multiple federal regulations governing credit reporting.

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 2025-12-16 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HW Holding, Inc
State: SC

Complaint narrative:
Issue Summary : A collection agency attempted to collect a debt after I disputed it in writing. They never provided legally required validation under the FDCPA and continued collection activity. They also falsely claimed they sent validation by email, which I never received and never consented to as a method of delivery.

The amount is {$1200.00}.

Detailed Description : I disputed the alleged debt in writing on XX/XX/XXXX and requested validation under 15 U.S.C. 1692g ( b ). The collection agency did not provide validation and instead continued to contact me and attempt to collect the debt. This is a violation of the FDCPA requirement that all collection activity must cease until validation is provided. 

When I spoke to the agency on the week of XXXX - XX/XX/XXXX, they falsely claimed they had sent validation via email on the XXXX. I never received any email, and I never consented to receive validation electronically. They have still not provided validation of the debt in any form. 

The agencys attempts to collect a disputed debt without validating it violate : 15 U.S.C. 1692g ( b ) ( failure to validate + continued collection ), 15 U.S.C. 1692e ( false representation that validation was sent ), and 15 U.S.C. 1692f ( unfair collection practices ). 

I am requesting that the CFPB intervene to : Require the collector to cease all collection activity immediately, Require proper validation of the alleged debt, and Investigate their collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: AL

Complaint narrative:
I, XXXX XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report XXXX is 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 2025-12-16 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Credit Control, LLC
State: NY

Complaint narrative:
I signed up for an internet and phone line with XXXX but decided to switch to another carrier and shipped the equipment back and terminated the contract with XXXX in under 5 days. I confirmed with XXXX that I would not be charged anything as I was wishing the return period. 

These bottom feeding scum at Credit Control LLC have known full well about the matter and were even told by XXXX that I was not liable for any charge. 

And yet they continue to pursue repayment, notifying the credit bureaus of delinquency as a way of pressuring me into paying them for this illegitimate charge. 

I am a healthy XXXX yr old male with time on my hands to push back against the scummy tactics of these collectors who are hoping it will be more trouble to put it right than to just pay the demanded amount.

I can not imagine how they behave with the elderly or the under-provalerdged who don't have the time or energy to push back. 

CREDIT CONTROL LLC should be looked into a blocked from harassing anybody else and using the credit system as their cudgel. 

Thank you, 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 2025-12-16 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: TX

Complaint narrative:
I am filing this complaint because I am a victim of identity theft, and both Experian and Equifax have failed to block and remove fraudulent information from my credit file as required under 15 U.S.C. 1681c-2 ( FCRA 605B ).

I submitted my FTC Identity Theft Report, proof of identity, and a formal written request for an identity theft block. Despite providing all legally required documentation, fraudulent and inaccurate information continues to appear on my credit report, causing serious harm to my credit standing.

Under FCRA 605B, the credit bureaus are required to block identity-theft-related information within four ( 4 ) business days after receiving proper documentation. Neither Experian nor Equifax has complied with that obligation. 

XXXX. Incorrect Personal Information My credit file contains personal information that does not belong to me, and is connected to identity theft : Incorrect Date of Birth : XXXX Incorrect Address : XXXX XXXX XXXX, XXXX, TX XXXX Incorrect Address : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX I have never used this date of birth or lived at these addresses. They must be removed immediately under FCRA XXXX. 

2. Fraudulent Accounts to Block Under 605B The following accounts were not opened or authorized by me. These accounts are fraudulent and identity-theft related : XXXX XXXX XX/XX/XXXX {$2500.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$16000.00} XXXX XXXX XXXX XXXXXX/XX/XXXX {$18000.00} XXXX XXXX XXXXse accounts do not belong to me, and the bureaus must block and permanently delete them as required by FCRA 605B.

3. Credit Bureau Non-Compliance Despite receiving : My FTC Identity Theft Report My government-issued ID Proof of address My written statement detailing the identity theft Experian and Equifax failed to : Block the fraudulent accounts Remove the inaccurate personal information Process the identity-theft block within four business days Notify me of any verification or reinvestigation results This failure violates FCRA 605B and continues to cause harm including credit denials, financial loss, and ongoing reporting inaccuracies. 

I am requesting CFPB assistance to enforce compliance with federal law.

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 2025-12-16 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: TX

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-12-16 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

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 2025-12-16 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: FL

Complaint narrative:
I do not recognize the accounts, collections, charge-offs, late payments, or hard inquiries that have been reported under my credit file. These items were not opened, authorized, or initiated by me. The presence of these accounts, collections, and inquiries is the direct result of identity theft and fraudulent activity. 
Therefore, I am formally requesting that you conduct a thorough investigation, remove all inaccurate and fraudulent information from my credit report, and correct my file to reflect only accurate and verifiable data. Please ) .delete the negative account information immediately in accordance with the Fair Credit Reporting Act ( FCRA

Company response to consumer: Closed with explanation
Consumer complaint received 2025-12-16 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: FL

Complaint narrative:
Despite multiple disputes submitted with supporting documentation, the bureau has continued to report inaccurate and unverifiable information. The bureau has shown a pattern of willful noncompliance with the FCRA, specifically 15 U.S.C. 1681n. Under 1681i, the bureau must conduct a reasonable reinvestigation and delete or correct information that can not be verified. Instead, the disputed accounts and inquiries were re-reported without competent verification. The bureaus persistence in publishing unverifiable data after repeated notice reflects reckless disregard of its statutory duties, resulting in ongoing consumer harm, including adverse credit decisions and increased costs. This pattern meets the willfulness threshold under 1681n and warrants immediate deletion of the unverifiable items, corrective disclosures, and appropriate remedial measures.

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 2025-12-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
" I was shocked and devastated to see credit inquiries without my knowledge. I have reached out to the creditors to ask the following but they have FAILED to provide such. 
Inquiry Details : Ask the creditor to provide specific details about the inquiry, such as the date it was made, the purpose of the inquiry and the type of credit product or service associated with the inquiry.

Application Documentation : Request copies of any credit applications or other documents related to the inquiry. This may include application forms, agreements, or disclosures that you would have completed or received when applying for credit.

Authorization Documentation : Ask the creditor to provide evidence of your authorization for the inquiry. This could include signed consent forms, agreements, or disclosures that demonstrate you provided permission for the creditor to access your credit report.

Communication Records : Request copies of any correspondence or communication between you and the creditor regarding the inquiry. This may include emails, letters, or notes documenting your interactions with the creditor.

Internal Records : Ask the creditor to provide internal records or notes related to the inquiry, including any decision-making processes or reasons for initiating the inquiry.

Identity Verification : If identity theft is a concern, request verification measures taken by the creditor to confirm your identity before initiating the inquiry. This may include verification of personal information or identity documents provided during the application process. 
Compliance Documentation : Inquire about the creditor 's compliance with relevant laws and regulations governing credit inquiries, such as the Fair Credit Reporting Act ( FCRA ) and Equal Credit Opportunity Act ( ECOA ). ''

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