vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-17 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: TX

Complaint narrative:
I am filing a complaint against Equifax for failing to properly investigate my disputes regarding inaccuracies in my credit report. Despite my submissions, Equifax consistently responds within XXXX hours stating the account is accurate, without providing any evidence of a thorough investigation. This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C 1681i, which mandates a reasonable investigation of disputes. Furthermore Equifax 's actions my also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C 5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. XXXX ) against them for similar violations. I request that the CFPB that action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. XXXX- {$1400.00} XXXX XXXX- {$640.00} XXXX XXXX XXXX {$500.00} XXXX XXXX LLC- {$670.00} XXXX XXXX XXXX {$600.00} XXXX  XXXX {$1500.00} XXXX XXXX- {$880.00} XXXX XXXX XXXX- {$920.00} XXXX XXXX {$810.00}

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 non-monetary relief
Consumer complaint received 2025-06-17 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: CA

Complaint narrative:
I am writing to formally demand your agency 's compliance with the Fair Credit Reporting Act ( FCRA ) in connection with the ongoing mishandling of my credit file. Despite multiple dispute attempts, you have failed to remove fraudulent accounts that do not belong to me and continue to report unverifiable information. This conduct is in direct violation of federal law and my consumer rights. 
The accounts listed below were opened fraudulently as a result of identity theft. I have submitted several dispute letters requesting their removal, yet you have responded with vague and non-substantive explanations that do not meet the legal standards required under the FCRA. 
Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), you are legally obligated to perform a meaningful investigation upon receipt of a consumer dispute. Your continued reliance on form responses without providing original validation of the debts in question constitutes noncompliance.

Moreover, 15 U.S.C. 1681e ( b ) mandates that consumer reporting agencies ensure the highest possible level of accuracy in reporting. Your agencys failure to take corrective action demonstrates a reckless disregard of these obligations.

You are hereby given 30 days from the date of this letter to provide the following : 1. Full and original verification documents from the creditors proving the validity of the accounts in questionnot generic responses ; 2. A comprehensive outline of the investigation performed, detailing each step taken ; 3. The names, job titles, and contact details of the individuals responsible for reviewing and responding to my dispute ; 4. Written confirmation that all unverifiable information has been permanently deleted from my credit file pursuant to 15 U.S.C. 1681i ( a ) ( 5 ).

If you fail to respond adequately within the timeframe stated, I will pursue immediate legal action. This includes filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and the California State Attorney General. I will also proceed with litigation under 15 U.S.C. 1681n for willful noncompliance, which allows for the recovery of statutory damages, punitive damages, attorney fees, and costs.

The following accounts are fraudulent, and I have already received confirmation from the relevant banks that they should not be associated with my credit profile. Please review and remove these accounts immediately, and provide supporting verification if you continue to report them : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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:
I am writing to dispute unauthorized accounts that have appeared on my credit report. These accounts were opened without my consent or awareness. In accordance with 15 U.S. Code 1681g, I am requesting their removal within 15 days. Relevant documentation is enclosed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
The late payment currently shown on my account is inaccurate. I have supporting documentation to show the payment was made on time. I request that this record be removed from my credit file immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA XXXX. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to 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 2025-06-17 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 have discovered fraudulent accounts under my name in my credit report. I had no part in opening them and request that they be removed immediately. As stated in 15 U.S. Code 1681g, please delete them within 15 days. Supporting documentation is included.

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 2025-06-16 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: CT

Complaint narrative:
The federal and state law states : Before a debt collector can report your debt to a credit reporting agency, they must send you a validation notice, which verifies the debt and your right to dispute it. 15 USC 1681 Section 602 States as followed : I have the right to privacy. 15 USC 1681 Section 604A states as followed : a consumer reporting agency can not furnish an account without my written permission or instructions. Section 604 ( f ) prohibits any person from obtaining a consumer report from a consumer reporting agency ( CRA ) unless the person has certified to the CRA the permissible purpose ( s ) for which the report is being obtained and certifies that the report will not be used for any other purpose. 15 USC 1681 governs access to consumer credit report records and promotes accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies ( CRAs ). A CRA is an entity that assembles and sells credit information and financial information about individuals. FCRA section 607 ( b ) provides that [ w ] henever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. The Bureau has previously indicated that it is not a reasonable

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I submitted an identity theft report I filed with the FTC to all 3 credit bureaus about an account that was opened in my name by someone else. The account was being paid by someone else at first and then they stopped paying which caused several late payments to the creditor XXXX XXXX XXXX XXXX. I asked the account be deleted and submitted multiple disputes but it still remains on all 3 credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am formally requesting that this inaccurate account be removed from my credit report, as I did not consent to its creation or use. Enclosed are the required documents to support my claim.

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 2025-06-16 00:00:00
Product: Debt collection — Private student loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Maximus Federal Services, Inc.
State: TX

Complaint narrative:
To Whom It May Concern, Subject : Dispute of Unauthorized Transfer of Student Loan Debt to Third-Party Collection Agency I am writing to formally dispute the handling and transfer of my student loan account, originally held by XXXX, which has been reportedly assigned or transferred to Dept of ed/Aidvantage without my knowledge or authorization. 

This letter is a formal notification that : I do not recognize or authorize the assignment or transfer of my student loan debt to Dept of ed/Aidvantage . 

I request full documentation proving that this transfer was made in accordance with applicable federal and state laws, including but not limited to the Higher Education Act, the Fair Debt Collection Practices Act ( FDCPA ), and any servicing agreements that were in place at the time of the transfer. 

Until proper validation is received, I am requesting that all collection activity cease immediately, and that any negative information related to this debt be removed from my credit report in accordance with the Fair Credit Reporting Act ( FCRA ). 

Under the FDCPA and FCRA, I am requesting the following documentation : A copy of the original promissory note or student loan agreement bearing my signature. 

A full accounting of the loan, including all payments made and any accrued interest. 

Legal documentation that authorizes the transfer or sale of this debt to [ Name of Collection Agency ]. 

Evidence that I was properly notified and consented to such a transfer. 

If this information can not be provided, I request that you : Cease collection efforts and confirm in writing that the account has been closed. 

Remove any related entries from my credit reports with XXXX XXXX XXXX XXXX 

Please treat this letter as a formal dispute and verification request. I also request that you respond within 30 days, as required by federal law. 

Thank you, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This serves as my FINAL NOTICE OF INTENT TO LITIGATE regarding the patently inaccurate late payment entries reported by Equifax under the following accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  ). Despite my formal disputes submitted on XX/XX/year>, XX/XX/year>XXXX  and XX/XX/year>, you have failed to correct or adequately verify the reported delinquencies as required by the Fair Credit Reporting Act ( FCRA ), including Sections 611, 604, and 1666b. Your continued inaction is a willful violation of my rights, causing significant harm to my credit standing and financial opportunities. As a good-faith effort to resolve this matter without the need for litigation, I am extending a settlement offer : ( 1 ) the complete deletion of all 9 inaccurate late payment entries across all three bureaus, and ( 2 ) payment of {$900.00} to compensate for the damages suffered. This offer is valid for ten ( 10 ) calendar days from the date of this letter. Failure to respond with written acceptance and a corrective action plan within that period will result in the immediate filing of a federal complaint for violations of the FCRA. I will seek actual damages, statutory damages up to {$9000.00}, punitive damages, and full reimbursement of legal fees. You are now formally on notice of your legal exposure and urged to treat this as a final opportunity to resolve this matter without litigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
Truist Bank let XXXX leave my XXXX XXXX  account and let XXXX XXXX  deduct it from my account with my knowing. The traansactions were not authorized. I told them this. They gave back XXXX and closed my accounts and said I did this. I did not. I do not know how this happend unless a family member used my XXXX XXXX and did this or someone at XXXX XXXX. I do no know except I know this was for gambling debits and I did not do this.

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 2025-06-17 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:
Subject : Formal Dispute of Debt Collection and Request for Deletion from Credit Report Dear Sir/Madam , I am writing to formally dispute a debt collection listed on my credit report by [ XXXX ] XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert that I do not owe the debt, and I request that this account be fully investigated, verified, and ultimately removed from my credit file.

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request proof of the debt and the right to collect it. Debt collectors are legally required to provide documentation that substantiates their claim. This documentation should include, but is not limited to : 1. Forward Flow Agreement This agreement must demonstrate the assignment of the debt to the collector, establishing their legal right to collect on it.

2. Chain of Assignment Purchase Agreement The collector must provide a clear chain of custody for the debt to show that it has been transferred or sold to them from the original creditor.

3. Insurance Claim of Debt If applicable, the collector must provide any proof of an insurance claim or payout related to the debt, validating their claim to be the rightful creditor.

4. Your Signature Agreeing to Pay I request proof of my signature or any binding agreement that supports the collection of this debt.

If the collection company can not provide this proof, I am entitled under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ) to have the debt removed from my credit report. Furthermore, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 1 ), the credit reporting agencies are required to investigate and delete any information that can not be verified as accurate or legitimate.

I am also invoking my rights under Regulation F ( 12 CFR 1006.34 ), which mandates debt collectors to validate the debt and provide the necessary proof upon request. The failure to provide such proof within 30 days constitutes a violation of my rights, and I demand that the collection account be removed from my credit report and that no further collection efforts occur without proper validation.

If this debt can not be properly verified, it must be removed immediately from my credit report. I expect full compliance with the above-mentioned laws and request that the CFPB intervene on my behalf to ensure that this collection account is deleted from my credit record and that my rights are upheld. 

Please confirm receipt of this letter and update me on the status of your investigation as required by law. 
Sincerely, [ XXXX XXXX ]

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-17 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:
Subject : Formal Dispute of Debt Collection and Request for Deletion from Credit Report Dear Sir/Madam , I am writing to formally dispute a debt collection listed on my credit report by [ XXXX ] XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I assert that I do not owe the debt, and I request that this account be fully investigated, verified, and ultimately removed from my credit file.

Under the Fair Debt Collection Practices Act ( FDCPA ), I am entitled to request proof of the debt and the right to collect it. Debt collectors are legally required to provide documentation that substantiates their claim. This documentation should include, but is not limited to : 1. Forward Flow Agreement This agreement must demonstrate the assignment of the debt to the collector, establishing their legal right to collect on it.

2. Chain of Assignment Purchase Agreement The collector must provide a clear chain of custody for the debt to show that it has been transferred or sold to them from the original creditor.

3. Insurance Claim of Debt If applicable, the collector must provide any proof of an insurance claim or payout related to the debt, validating their claim to be the rightful creditor.

4. Your Signature Agreeing to Pay I request proof of my signature or any binding agreement that supports the collection of this debt.

If the collection company can not provide this proof, I am entitled under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g ( b ) to have the debt removed from my credit report. Furthermore, according to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681i ( a ) ( 1 ), the credit reporting agencies are required to investigate and delete any information that can not be verified as accurate or legitimate.

I am also invoking my rights under Regulation F ( 12 CFR 1006.34 ), which mandates debt collectors to validate the debt and provide the necessary proof upon request. The failure to provide such proof within 30 days constitutes a violation of my rights, and I demand that the collection account be removed from my credit report and that no further collection efforts occur without proper validation.

If this debt can not be properly verified, it must be removed immediately from my credit report. I expect full compliance with the above-mentioned laws and request that the CFPB intervene on my behalf to ensure that this collection account is deleted from my credit record and that my rights are upheld. 

Please confirm receipt of this letter and update me on the status of your investigation as required by law. 
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 non-monetary relief
Consumer complaint received 2025-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Klarna AB
State: AL

Complaint narrative:
What happened is that i owed 3 separate debts to Klarna which is the original creditor. In XXXX of 2025, I paid all 3 debts in the amounts of {$470.00}, XXXX, and XXXX. They were paid directly to Klarna itself. Then they turned a bunch of their debt over to XXXX XXXX XXXX XXXX. This company began texting and calling me. I texted them and told them I had paid all 3 debts directly to Klarna in full. They said OK! Thank you for letting us know. The next thing I know like a month later my credit tanks and I don't know why. Its because they put all 3 debts as separate trade lines on my credit report and are again trying collect through the mail now. So even though I paid the debts in full before they were reported to the collection agency I am being punished. I contacted klarna about this issue and was told its no longer their problem and I have to now deal directly with XXXX XXXX or dispute it on my credit reports. I paid this in full as one lump sum to Klarna on XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
b'Certified tracking number: XXXX XXXX XXXX XXXX XXXX XXXXn\n\nThis following dispute was sent to the credit reporting agency.\n\nThis notice serves as a demand for the permanent deletion of data currently being reported on my credit file that are inaccurate, incomplete, outdated, or unverifiable.\nPursuant to my rights under the Fair Credit Reporting Act (FCRA), originally enacted as XXXX XXXX XXXX XXXX which was enacted in XXXX  to promote accuracy, fairness, and the privacy of personal information assembled by Credit Reporting Agencies (CRAs).\XXXX XXXX XXXX) - Duty to correct and update information.\nXXXX XXXX XXXX XXXX Treatment of inaccurate or unverifiable information.\nYou must complete the reinvestigation and deletion in satisfaction with 1XXXX XXXX XXXX XXXX XXXX Procedure in case of disputed accuracy. For quicker responses you may reply to the email provided on the top left corner of this notice.\nTo verify my identity, I have included the following documents:\n XXXX XXXX XXXX XXXX XXXX XXXXn\n\nProof of current address\nFull of credit report, XXXX XXXX\nYou have XXXX  calendar days from receipt of this notice to act.\nTank'

Company response to consumer: Closed with explanation