vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-25 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: NC

Complaint narrative:
XXXX XXXX XXXX DOB : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, NC XXXX Last 4 of SSN : XXXX Email : XXXX Phone : XXXX Date Filed : [ XX/XX/XXXX } ] Report Reference Date : XX/XX/XXXX Nature of Complaint : Type : Credit Reporting Issue : Improper Use of My Report / Inaccurate Information Sub-Issue : Account information incorrect / Debt not owed / Identity theft suspected Bureaus Involved : Experian, TransUnion, Equifax Disputed Accounts : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$1000.00} Dispute : Account reflects 90-day delinquency and was closed by grantor. I never authorized this line of credit. There are multiple inconsistencies in reporting timelines, balance utilization, and ownership. This may involve synthetic ID or unauthorized use. 
XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$25000.00} Dispute : This account is currently 60 days past due, though I formally disputed this loan in writing. There is no verifiable proof of contract, payment history accuracy, or compliance with Metro 2 reporting standards. This furnisher failed to update or validate the debt upon notice. 
XXXX. XXXX XXXX Account # : XXXX Balance : {$7200.00} Dispute : This account is charged off and marked with outdated, unverifiable info. 
No payment history, contract, or validation letter has been provided. It appears to be re-aged and non-compliant with FCRA 1681c. 
XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Balance : {$54.00} Dispute : This collection is being reported twice ( as open and charged-off ), violating Metro 2 rules. I never received services from XXXX. No invoice, agreement, or evidence has been submitted despite my request. 
XXXX. XXXX XXXX XXXX ( Collection ) Account # : XXXX Balance : {$1200.00} Dispute : I never signed up for nor received a policy with XXXX XXXX. This appears to be fraudulent or identity theft. Reporting without validation violates FCRA 1681s-2 and FDCPA requirements. 
Violations Cited : FCRA 1681i Failure to conduct a reasonable investigation FCRA 1681s-2 ( b ) Failure to update or correct inaccurate info FCRA 1681c Reporting outdated/incomplete/obsolete data FDCPA 809 Failure to provide debt validation 15 U.S. Code 1681e ( b ) Failure to maintain accurate procedures I request a written investigation summary and validation documentation per FCRA. Failure to resolve these issues will result in legal escalation, including Attorney General involvement and pursuit of statutory damages. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: NC

Complaint narrative:
XXXX XXXX XXXX DOB : XX/XX/XXXX Address : XXXX XXXX XXXX XXXX XXXX, NC XXXX Last 4 of SSN : XXXX Email : XXXX Phone : XXXX Date Filed : [ XX/XX/XXXX } ] Report Reference Date : XX/XX/XXXX Nature of Complaint : Type : Credit Reporting Issue : Improper Use of My Report / Inaccurate Information Sub-Issue : Account information incorrect / Debt not owed / Identity theft suspected Bureaus Involved : Experian, TransUnion, Equifax Disputed Accounts : XXXX XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$1000.00} Dispute : Account reflects 90-day delinquency and was closed by grantor. I never authorized this line of credit. There are multiple inconsistencies in reporting timelines, balance utilization, and ownership. This may involve synthetic ID or unauthorized use. 
XXXX XXXX XXXX XXXX Account # : XXXX Balance : {$25000.00} Dispute : This account is currently 60 days past due, though I formally disputed this loan in writing. There is no verifiable proof of contract, payment history accuracy, or compliance with Metro 2 reporting standards. This furnisher failed to update or validate the debt upon notice. 
XXXX. XXXX XXXX Account # : XXXX Balance : {$7200.00} Dispute : This account is charged off and marked with outdated, unverifiable info. 
No payment history, contract, or validation letter has been provided. It appears to be re-aged and non-compliant with FCRA 1681c. 
XXXX XXXX XXXX XXXX XXXX  Account # : XXXX Balance : {$54.00} Dispute : This collection is being reported twice ( as open and charged-off ), violating Metro 2 rules. I never received services from XXXX. No invoice, agreement, or evidence has been submitted despite my request. 
XXXX. XXXX XXXX XXXX ( Collection ) Account # : XXXX Balance : {$1200.00} Dispute : I never signed up for nor received a policy with XXXX XXXX. This appears to be fraudulent or identity theft. Reporting without validation violates FCRA 1681s-2 and FDCPA requirements. 
Violations Cited : FCRA 1681i Failure to conduct a reasonable investigation FCRA 1681s-2 ( b ) Failure to update or correct inaccurate info FCRA 1681c Reporting outdated/incomplete/obsolete data FDCPA 809 Failure to provide debt validation 15 U.S. Code 1681e ( b ) Failure to maintain accurate procedures I request a written investigation summary and validation documentation per FCRA. Failure to resolve these issues will result in legal escalation, including Attorney General involvement and pursuit of statutory damages. 
Sincerely, 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 2025-07-25 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: NC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

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 2025-07-25 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: CA

Complaint narrative:
I am filing a formally complaint to dispute certain items on my credit report that appear to have been accessed or reported without my authorization or without a permissible purpose, as required by the Fair Credit Reporting Act ( FCRA ), specifically 604 ( f ) 15 U.S.C. 1681b ( f ).

Under this statute, a consumer reporting agency may not furnish a consumer report to any person or entity not authorized to receive it under the Act. After carefully reviewing my credit report, I have identified the following items that I believe were obtained and/or reported in violation of this section : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

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 2025-07-25 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 filing a formally complaint to dispute certain items listed on my credit report and request their immediate removal pursuant to the Fair Credit Reporting Act ( FCRA ) 604 ( f ) 15 U.S.C. 1681b ( f ). This section of the FCRA clearly states that a consumer reporting agency may not furnish a consumer report to any person or entity that does not have a permissible purpose as defined by the Act.

Upon reviewing my credit report, I have identified the following items that appear to have been accessed or listed without my authorization or without a permissible purpose under the law : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-25 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:
I am filing a formally complaint to dispute certain items listed on my credit report and request their immediate removal pursuant to the Fair Credit Reporting Act ( FCRA ) 604 ( f ) 15 U.S.C. 1681b ( f ). This section of the FCRA clearly states that a consumer reporting agency may not furnish a consumer report to any person or entity that does not have a permissible purpose as defined by the Act.

Upon reviewing my credit report, I have identified the following items that appear to have been accessed or listed without my authorization or without a permissible purpose under the law : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$780.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$660.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$460.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$4300.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 2025-07-25 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGEDORNOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: MD

Complaint narrative:
I am writing to Experian, Equifax and TransUnion formally express my concern and dissatisfaction regarding your continued reporting of multiple inaccurate, incomplete, or unverifiable entries on my consumer credit file. These entries were previously disputed, and despite the legal obligations imposed upon your agency by federal law, they remain unresolved and uncorrected. This constitutes a direct failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and may also represent a violation of CFPB compliance standards regarding fair and accurate consumer reporting.

As per 15 U.S.C. 1681i ( a ), a credit reporting agency is required to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving notice from the consumer. Furthermore, any item of information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. It is evident that your agency has failed to meet these requirements by continuing to report the following previously disputed entries without substantiating documentation or legal justification

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 2025-07-25 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: MD

Complaint narrative:
I am writing to Experian, Equifax and TransUnion formally express my concern and dissatisfaction regarding your continued reporting of multiple inaccurate, incomplete, or unverifiable entries on my consumer credit file. These entries were previously disputed, and despite the legal obligations imposed upon your agency by federal law, they remain unresolved and uncorrected. This constitutes a direct failure to comply with the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and may also represent a violation of CFPB compliance standards regarding fair and accurate consumer reporting.

As per 15 U.S.C. 1681i ( a ), a credit reporting agency is required to conduct a reasonable reinvestigation of any disputed information within 30 days of receiving notice from the consumer. Furthermore, any item of information found to be inaccurate, incomplete, or unverifiable must be promptly deleted or corrected. It is evident that your agency has failed to meet these requirements by continuing to report the following previously disputed entries without substantiating documentation or legal justification

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1.To dispute certain information in my credit file ; and 2.To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate or incomplete. I am requesting that the item be investigated to correct the XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: CA

Complaint narrative:
I am writing for two ( 2 ) reasons : 1.To dispute certain information in my credit file ; and 2.To have you re-investigate and remove inaccurate information from my Credit Report and prevent its re-insertion. The item ( s ) I dispute are listed below and are inaccurate or incomplete. I am requesting that the item be investigated to correct the 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 2025-07-25 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
I had a XXXX the collector or XXXX XXXX  could not confirm this was effecting my credit I settled the debt for XXXX and ask them to remove the debt from my credit and email me something in writing. XXXX XXXX have yet to email me anything despite my attempts to receive the written letter and every time I call the said they will email it in 2 days and this has been XXXX attempts to receive the email notice and I paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-25 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-25 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: NY

Complaint narrative:
I filed a dispute regarding incorrect information on my credit report. However, I received an email from the credit bureau stating that they are assuming my disputes came from a third party, which is not true. I even called to verify my identity, yet they still refused to process my disputes. I spent money mailing my disputes and provided personal information to verify my identity, only for them to dismiss my request without a proper investigation.

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 2025-07-25 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Nationwide Capital Services, LLC
State: OH

Complaint narrative:
I received a notice from XXXX XXXX regarding a bad debt and I have no idea what this debt is. 
It is listed as Nationwide Capital Services.supposedly opened on XX/XX/year>. I have no knowledge of this debt

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 2025-07-25 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: EQUIFAX, INC.
State: TX

Complaint narrative:
Subject : Dispute and Request for Reinvestigation under 15 U.S.C. 1681i XXXX XXXX XXXX Collection To Whom It XXXX Concern, I am formally disputing inaccurate information that appears on my Equifax credit report under XXXX XXXX XXXX. I am exercising my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which requires you to reinvestigate any disputed information within 30 days. 

Details of Disputed Account : Creditor : XXXX XXXX XXXX Account Number : [ Insert Account Number, if known ] Date Reported : [ Insert Date, if known ] This debt is not verified to my satisfaction and XXXX not be accurate. I am requesting the following : XXXX. A full reinvestigation of this account and removal if it can not be verified with original documentation. 
XXXX. A copy of the documentation used to verify the debt, including the original contract bearing my signature, the full chain of assignment, and proof that XXXX XXXX XXXX is legally authorized to collect this debt. 
XXXX. A written statement of the results of your reinvestigation within the time period required by law. 

If Equifax fails to properly investigate and verify this account as required under 15 U.S.C. 1681i, I will escalate this matter by filing a formal complaint with the Consumer Financial Protection Bureau ( CFPB ) and XXXX pursue further legal action to protect my rights under federal law. 

Please send all correspondence regarding this dispute to my mailing address above. 

Thank you for your immediate attention to this matter.

Company response to consumer: Closed with non-monetary relief