vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
b"I submitted a formal debt validation request to Caine & Weiner regarding Account #XXXX (Progressive XXXX XXXX XXXX) on XXXX XXXX XXXX, via USPS Certified Mail #XXXX XXXX XXXX XXXX XXXX XXXX. I also included a fingerprint for authentication as an added measure of authorship and seriousness.\n\nThe letter requested full validation of the alleged debt, including:\n\nA copy of the original signed agreement\n\nA full accounting of charges and payments\n\nProof of legal authority to collect the debt\n\nConfirmation that the debt is within the statute of limitations\n\nDespite this, they failed to provide any of the required documentation and have continued to report this account to credit bureaus, in violation of federal law.\n\nThe following violations of the Fair Debt Collection Practices Act (FDCPA) have occurred:\n\n1. 15 U.S.C.  1692g(a)  Failure to Provide Proper Validation\nNo written validation was provided within 5 days of the initial contact or in response to my certified letter.\n\n2. 15 U.S.C.  1692g(b)  Continued Collection Without Validation\nThey continued reporting and collecting without satisfying my validation request.\n\n3. 15 U.S.C.  1692e  False, Deceptive, or Misleading Representations\nReporting an unvalidated debt as legitimate misrepresents its legal status.\n\n4. 15 U.S.C.  1692e(8)  Communicating Credit Information Known to Be False\nThey failed to mark the account as disputed while continuing to report it.\n\n5. 15 U.S.C.  1692f  Unfair or Unconscionable Means to Collect a Debt\nTheir ongoing collection activity despite no validation constitutes unfair conduct.\n\n6. 15 U.S.C.  1692k  Civil Liability\nI reserve the right to pursue statutory damages of up to XXXX per violation.\n\nI am requesting that Caine & Weiner immediately delete this account from all consumer reporting agencies. If the account is not removed within 10 business days from the date of receipt of this complaint, I will pursue additional actions through the FTC, credit bureaus, and the Pennsylvania Attorney General's Office, and may take legal action for damages."

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: EQUIFAX, INC.
State: TX

Complaint narrative:
In accordance with the Fair credit Reporting Act, the following accounts listed in the attachments have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. I would like to assert that no permissible purpose under 15 USC 1681b ( 2 ) has been established and under the Fair Credit Reporting Act this must be established.

15 U.S.C 6802 ( a ) A financial institution may not, directly or through any affiliate, disclose to a non affiliated third party any nonpublic personal information. 15 U.S.C 6802 ( b ) ( 1 ) A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

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

15 U.S.C section 604 A Section 2 : States a consumer reporting agency can not furnish an 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 7 years.

15 U.S.C 1666b ( a ) Time to make payments, A credit may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 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.

15 U.S. Code 1681i ) : You have the right to dispute any information on your credit report that is inaccurate, incomplete, outdated, or unverifiable.

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 — Personal information incorrect
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
The personal information on my credit report were outdated.

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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
TransUnion LLC Consumer Dispute Center XXXX XXXX XXXX XXXX, PA XXXX This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2500.00} XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1300.00} INQUIRIES : XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to formally dispute the recent reinsertion of a previously deleted account from my credit report. The account in question is related to XXXX  # XXXX, which was removed after a successful dispute. It has now reappeared on my credit report without proper notice or 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 explanation
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: EQUIFAX, INC.
State: VA

Complaint narrative:
These entries remain unverified and questionable. Despite multiple attempts to have these inaccuracies properly investigated and resolved, no meaningful action has been taken. I have submitted all required documentation and followed up repeatedly, yet the errors persist. This ongoing lack of action has caused undue financial hardship and has significantly affected my well-being. The mental and emotional toll of dealing with these unresolved discrepancies has been overwhelming. 
Under the Fair Credit Reporting Act ( FCRA ), I am entitled to a fair and accurate credit report, including the removal of unverifiable or incorrect information. I urge you to take immediate steps to verify and rectify these items, as failure to do so constitutes a violation of my rights under federal 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: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: ME

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

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: 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: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE 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 2025-06-20 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is a follow up to CFPB complaint # XXXX Subject : Formal Demand for Documentation Regarding Debt Verification from Bounce AI ( Ref. XXXX XXXX. XXXX Filed in Federal Court ) To Whom It May Concern, This is a formal demand to Equifax Information Services LLC , submitted via the Consumer Financial Protection Bureau ( CFPB ) , requesting immediate production of documentation and procedural details concerning your alleged verification of a disputed debt reportedly furnished by Bounce AI. 

I have already filed a federal lawsuit against Equifax ( XXXX XXXX. XXXX ) in connection with this matter, and I hereby demand that you produce all of the following information : 1. The method of verification used to confirm the accuracy of the Bounce AI account ; 2. The name and contact information of the individual or entity at Bounce AI who allegedly verified the account ; 3. All documentation received from Bounce AI used during the verification process ; 4. Date ( s ) on which the account was verified or re-verified ; 5. Details of any reinvestigation conducted under 15 U.S. Code 1681i ( a ) of the Fair Credit Reporting Act.

Under 15 U.S. Code 1681i ( a ) ( 6 ) ( B ) ( iii ), I am entitled to a description of the procedure used to determine the accuracy and completeness of the disputed information. Failure to produce this information demonstrates noncompliance with federal law and will be further addressed in court. 

To be clear : Bounce AI is not a known or verified creditor with whom I have any contractual relationship. 
Equifaxs reporting of this account, followed by an unsupported claim of verification, has caused measurable harm. 
I allege your failure to properly investigate or verify this information constitutes willful or negligent violations under 15 U.S. Code 1681e ( b ) and 1681i.

You are now on formal notice that your continued failure to provide this information is being added to the evidentiary record in Case No. 4:25-cv-00415. Should you fail to comply, I will move to compel disclosure and seek all available remedies, including statutory, actual, and punitive damages. 

Demand : Please provide the above-requested documentation and verification procedures within 10 days of this submission, as your noncompliance is already under federal judicial review. 

Respectfully XXXX XXXX XXXX XXXX XXXX. XXXX

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: OK

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached 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 — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To : Credit Reporting Agencies Subject : Demand for Immediate Deletion of Unverifiable Dear credit reporting agencies, I am formally requesting the immediate deletion of the DEPT OF ED XXXX account currently being reported on my credit file, with a listed balance of {$30000.00}. 

I previously disputed this account with XXXX due to inaccurate reporting of late payments. Upon completion of their investigation on XX/XX/year>, XXXX determined that the information could not be verified anddeleted the account entirely from my XXXX credit report. 

For your review, I am attaching the official deletion confirmation from XXXX. 

As required by the Fair Credit Reporting Act ( FCRA ) : Under 15 U.S. Code 1681i ( a ) ( 5 ) ( A ), if an account can not be verified, it must be removed from a consumers credit file.

Under 15 U.S. Code 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a reasonable reinvestigation within 30 days of receiving a consumer dispute.

Under 15 U.S. Code 1681e ( b ), all reported information must be held to the standard of maximum possible accuracy.Since XXXX has verified the account as unverifiable, and has removed it from their records, I am requesting that Equifax, Experian, and TransUnion do the same. 

Continuing to report an account that has been deleted due to lack of verification is a clear violation of the FCRA.If this account is not removed within the 30-day timeframe required by law, I reserve the right to pursue legal remedies under 15 U.S. Code 1681n and 1681o for willful or negligent noncompliance, including damages and legal costs.

Please conduct your reinvestigation promptly and provide written confirmation that this account has been removed from my credit file. 

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 2025-06-19 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: MA

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 my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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 — Account status incorrect
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have disputed an inaccurate and damaging tradeline on my Experian credit report multiple times regarding an account reported by XXXX. Most recently, I submitted a formal dispute on XX/XX/XXXX, and requested Experian comply with its obligations under the Fair Credit Reporting Act ( FCRA ). Despite this, Experian continues to report the account inaccurately and refuses to follow federal law regarding verification and reinvestigation. 

The most serious issue is XXXX failure to provide any proof of its investigation. I explicitly requested, under FCRA 611 ( a ) ( 7 ), a description of the procedures used to verify the account, and asked for documentary evidence under 609 ( a ) ( 1 ). Instead of complying, Experian responded ( again ) with a generic statement that the account was verified as accurate, offering no explanation, no documentation, and no investigation details. This response does not meet the legal requirements and suggests that no real verification was performed.

Other major problems : Balance inconsistency across bureaus : Experian reports a {$7000.00} balance, while XXXX  and XXXX  report {$0.00}. These can not all be accurate if they differ, which calls into question the legitimacy of the investigation. 
Re-aging of delinquency : The account was opened in XX/XX/XXXX, but Experian falsely shows it as past due as of XX/XX/XXXX, with the status last updated in XX/XX/XXXX. This artificially re-ages the account and violates FCRA 605 ( a ) by misrepresenting the account as more recent than it is.

No proof of debt provided : I have never received any contract, charge-off statement, or payment breakdown proving this debt is mine, despite requesting that documentation multiple times.

Contradictory charge-off reporting : The account is listed as charged off and written off, yet Experian continues to show the balance as active and past due, which is misleading and inaccurate.

Unexplained balance increase : The original balance is {$6300.00}, but the current balance is {$7000.00}. There is no payment history or interest schedule to justify the increase.

This tradeline has significantly damaged my credit profile and lowered my score by over 60 points, affecting my ability to access credit at fair terms. Experian has had more than enough time and legal obligation to investigate properly and remove this account.

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: IL

Complaint narrative:
I am filing this complaint to request the immediate removal and blocking of unauthorized accounts from my credit report. I did not authorize, open, or initiate these accounts and have no knowledge of their origin. In accordance with USC 1681g, I am formally requesting that these accounts be removed within 15 days. I have attached the necessary documents for review. Furthermore, the account details being reported are inconsistent and inaccurate across the credit bureaus.

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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
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: EQUIFAX, INC.
State: NY

Complaint narrative:
These entries are incorrect and do not accurately reflect my actual payment history. I have made multiple attempts to get these discrepancies investigated and corrected, yet no meaningful action has been taken. Despite providing all necessary documentation and following up several times, these errors remain unresolved. This ongoing issue has caused financial stress and has taken a serious toll on my well-being. Dealing with these inaccurate entries has been frustrating and exhausting. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to a credit report that accurately represents my financial history. This includes the prompt correction of outdated or incorrect information. I urge you to take immediate action to update or remove these late payment entries, as failing to do so is a direct violation of my rights under federal law. 
I appreciate your prompt attention to this matter and expect a resolution as soon as possible.

Company response to consumer: Closed with non-monetary relief