vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-11 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: FL

Complaint narrative:
The consumer reporting agency has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my formal request for a thorough reinvestigation of all items reported, the bureau has either failed to provide sufficient verification or continues to report information that remains unverified. This failure constitutes a direct violation of my rights under federal law and raises serious concerns about the accuracy, integrity, and reliability of the information being reported in my consumer 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 explanation
Consumer complaint received 2025-11-11 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: CAC Financial Corp
State: TN

Complaint narrative:
I am disputing the CAC Financial account XXXX XXXX XXXX XXXX XXXX, which is being inaccurately reported as a valid collection account. I did not authorize this debt, I did not sign any contract related to it, and I did not grant permission for my information to be used. This fraudulent account appears as a result of the XXXX Data Breach, in which my personal identifying information was compromised. Pursuant to FCRA 609 ( a ) ( 1 ), I request all original documents bearing my signature along with the complete method of verification. As this account is fraudulent and unverifiable, it qualifies for immediate removal under 15 U.S.C. 1681c-2. Your continued reporting of this inaccurate information constitutes violations of FCRA 602A, 611, and 623 ( a ), along with XXXX XXXX  standards for accuracy and furnisher compliance. Remove this account immediately and provide written confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: NY

Complaint narrative:
The consumer reporting agency has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my formal request for a thorough reinvestigation of all items reported, the bureau has either failed to provide sufficient verification or continues to report information that remains unverified. This failure constitutes a direct violation of my rights under federal law and raises serious concerns about the accuracy, integrity, and reliability of the information being reported in my consumer 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 explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
I REQUEST THE CREDIT BUREAUS TO POST THE SAME REQUEST THAT I POSTED AGAINST THIS CREDITOR, AS THE MATTER IS IN MY FAVOR AS TO THE LEGAL MERITS OF MY ARGUMENT. 

My late payments that show were posted while I requested a XXXX deferment. At no time were any of my accounts late past the XXXX grace period. Accordingly, I am well within my rights to request a complete review of my account and for my request to delete the negative payment history altogether.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXX XXXX  XXXX DC XXXX Subject : Formal Dispute of Fraudulent, Inaccurate, and Misleading Account Reporting by TransUnion and XXXX on XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX To Whom It May Concern, I am submitting this formal complaint and dispute against TransUnion and XXXX for the inaccurate, incomplete, and fraudulent reporting of an account allegedly associated with Credit XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ). 

This reporting violates my consumer rights under both the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ).

Basis of the Dispute CFNA has reported an account that they have already sold and transferred to XXXX XXXX XXXX XXXX XXXX XXXX, who now assumes full legal responsibility for collection and reporting. Despite this transfer, XXXX continues to claim ownership and report the same account, creating double reporting and fraudulent misrepresentation. 

TransUnion and XXXX have both accepted and published this inaccurate information without proper validation or verification, even though the account data differs significantly across all credit bureaus, including Equifax and Experian. 

The following discrepancies exist between bureau reports and XXXX XXXX XXXX : XXXX XXXX report lists a total balance of {$1100.00}, Another XXXX record lists {$700.00}, XXXX XXXX XXXX XXXX XXXX XXXX reports {$960.00}, TransUnion reports {$960.00} with a Date Closed : XX/XX/XXXX, XXXX reports {$960.00} with a Date Closed : XX/XX/XXXX, Experian reports {$960.00}, but with different account activity details. 

These inconsistent figures and contradictory dates directly violate FCRA XXXX ( b ), which mandates that credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy in the information they report. 

Violations and XXXX Grounds FDCPA Violations CFNAs continued reporting of a debt it no longer owns constitutes false representation of the character or legal status of a debt ( XXXX XXXX. XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX failure to provide proper debt validation upon request violates XXXX XXXX. XXXX ( b ). 

FCRA XXXX TransUnion and XXXX have failed to ensure accuracy and completeness under XXXX XXXX. XXXX ( b ). 

Both agencies have continued to publish inaccurate data after being notified of disputes, in violation of XXXX XXXX. XXXX ( a ).

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: CBC Companies, Inc.
State: MD

Complaint narrative:
Consumer Financial Protection Bureau ( CFPB ) XXXX XXXXXXXX XXXX XXXX  XXXX DC XXXX Subject : Formal Dispute of Fraudulent, Inaccurate, and Misleading Account Reporting by TransUnion and Innovis on behalf of XXXX XXXX XXXX XXXX ( XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX To Whom It May Concern, I am submitting this formal complaint and dispute against TransUnion and Innovis for the inaccurate, incomplete, and fraudulent reporting of an account allegedly associated with XXXX  XXXX XXXX XXXX XXXX XXXX ) and XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account # XXXX ). 

This reporting violates my consumer rights under both the Fair Debt Collection Practices Act ( FDCPA, 15 U.S.C. 1692 et seq. ) and the Fair Credit Reporting Act ( FCRA, 15 U.S.C. 1681 et seq. ).

Basis of the Dispute XXXX has reported an account that they have already sold and transferred to XXXX XXXX XXXX XXXX XXXX XXXX, who now assumes full legal responsibility for collection and reporting. Despite this transfer, XXXX continues to claim ownership and report the same account, creating double reporting and fraudulent misrepresentation. 

XXXX  and Innovis have both accepted and published this inaccurate information without proper validation or verification, even though the account data differs significantly across all credit bureaus, including XXXX  and XXXX. 

The following discrepancies exist between bureau reports and XXXX XXXX XXXX : XXXX XXXX report lists a total balance of {$1100.00}, Another XXXX record lists {$700.00}, XXXX XXXX XXXX XXXX XXXX XXXX reports {$960.00}, XXXX  reports {$960.00} with a Date Closed : XX/XX/XXXX, Innovis reports {$960.00} with a Date Closed : XX/XX/XXXX, XXXX  reports {$960.00}, but with different account activity details. 

These inconsistent figures and contradictory dates directly violate FCRA XXXX ( b ), which mandates that credit reporting agencies must follow reasonable procedures to assure maximum possible accuracy in the information they report. 

Violations and XXXX Grounds FDCPA Violations CFNAs continued reporting of a debt it no longer owns constitutes false representation of the character or legal status of a debt ( XXXX XXXX. XXXX ). 

XXXX XXXX XXXX XXXX XXXX XXXX failure to provide proper debt validation upon request violates XXXX XXXX. XXXX ( b ). 

FCRA XXXX TransUnion and Innovis have failed to ensure accuracy and completeness under XXXX XXXX. XXXX ( b ). 

Both agencies have continued to publish inaccurate data after being notified of disputes, in violation of XXXX XXXX. XXXX ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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: CA

Complaint narrative:
This is a follow-up complaint regarding Experian 's continued reporting of inaccurate, unverifiable, and misleading information on my credit file in violation of the Fair Credit Reporting Act ( FCRA ), Fair and Accurate Credit Transactions Act ( FACTA ), Truth in Lending Act ( TILA ), and the Gramm-Leach-Bliley Act ( GLBA ). Despite my previous disputes, the same problem remains unresolved. Experian has repeatedly failed to conduct a reasonable reinvestigation or provide proper validation as required under 15 U.S.C. 1681i ( a ).

Under FACTA Title I, Section 151, consumer reporting agencies are obligated to ensure that all reported data is accurate, complete, and properly verified. Moreover, 15 U.S.C. 6801 of the GLBA imposes a duty to safeguard the accuracy and confidentiality of consumer information, which includes preventing the dissemination of false or misleading data.

Additionally, under the Truth in Lending Act ( TILA ), codified at 15 U.S.C. 1601 et seq., financial disclosures must be clear, complete, and accurate. The continued failure to correct and validate this disputed information constitutes a violation of my consumer rights and subjects Experian to potential regulatory and civil liability.

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 2025-11-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: WA

Complaint narrative:
Dear CFPB, I am filing a formal FCRA reinsertion dispute regarding the above account. This item was previously deleted from my credit file and has been reinserted under a new furnisher name ( Transworld Systems Inc ) without proper notice as required by 15 U.S.C. {$1600.00} ( a ) ( 5 ) ( B ).

The bureaus are legally required to notify me in writing within XXXX business days of any reinsertion and provide certification that the furnisher verified the account 's accuracy. 

I have never received any such notice, making this a direct FCRA violation.

Additionally, Transworld Systems has failed to properly validate this debt under 15 U.S.C. 1692g ( b ) of the FDCPA. Each time I've disputed this account, the only " verification '' provided has been a copy of the same APS final bill - a billing statement that does not : Prove Transworld Systems legally owns or has collection rights ; Show any transfer of assignment or authorization to collect ; Satisfy verification requirements under federal law.

This reused document does not meet the standard of verification under FCRA S611 ( a ) ( 1 ) ( A ) nor FDCPA S809 ( b ). It is not new evidence, nor does it justify reinsertion of previously deleted information.

I demand : 1. Immediate deletion of this reinserted collection account : 2. Full documentation showing Transworld Systems ' legal right to report or collect ; 3. Copies of any certification or verification that allowed this reinsertion.

If Transworld Systems doesnt comply, I will file complaints with the FTC , and my State Attorney General, and consider further civil action for willful FCRA violations under 81681n.

This is your final notice before escalation. 
Sincerely, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: Fay Servicing, LLC
State: AL

Complaint narrative:
AMENDMENT : NEW EVIDENCE OF SECURITIES FRAUD AND LACK OF STANDING Original Complaint Case : XXXX Companies : U.S. Bank National Association XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. 

Crucial Update : Concealment and Transfer of a Tainted Asset Fraudulent Transfer During Litigation : While the debt was subject to active wrongful foreclosure litigation, XXXX the asset was transferred from XXXX XXXX XXXX to a new securitization pool, XXXX XXXX XXXX, in XX/XX/year>. This transfer violates XXXX rules by inserting a severely non-performing, litigated, and voidable asset into a new investor pool, constituting securities fraud. 

Void Subsequent Action : The borrowers formally filed a notarized Revocation of Power of Attorney for XXXX  on XX/XX/year> ( XXXX XXXX XXXX XXXX XXXX XXXXXXXX ), legally removing all XXXX authority for subsequent transfers. The final Assignment of Mortgage to XXXX XXXX XXXX ( filed XX/XX/year> ) and the XX/XX/year>, foreclosure were therefore executed without perfected legal authority. 

The repeated use of the NULL AND VOID Assignment ( Inst. # XXXX ), compounded by the fraudulent transfer and the disregard for the POA revocation, confirms a deliberate and systemic institutional conspiracy to illegally enforce an extinguished debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I hope this letter finds you well. I am writing to request your assistance in updating specific accounts listed on my credit report. Upon review, I discovered certain information that appears to be outdated or inaccurate. I respectfully request that my credit file be updated to ensure it accurately reflects my current and verified financial information.

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 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am submitting this complaint because the consumer reporting agency has reported several hard inquiries on my credit file that I did not initiate, authorize, or consent to. This action constitutes a violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and ( B ) ( i ), as well as 15 U.S.C. 1681g ( a ) ( 5 ). These provisions prohibit the inclusion of inquiries not initiated by the consumer unless there is prior written authorization or the inquiry is connected to a firm offer of credit.

At no time did I grant permission for these inquiries, nor did I authorize any third party to obtain my credit information. The continued reporting of these unauthorized inquiries, absent verifiable proof of a permissible purposesuch as a copy of my signed authorizationconstitutes a violation of federal law and must be corrected immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 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:
The consumer reporting agency has failed to fulfill its obligations under the Fair Credit Reporting Act ( FCRA ) 609 by neglecting to properly verify the accuracy and completeness of the information contained in my credit file. Despite my formal request for a thorough reinvestigation of all items reported, the bureau has either failed to provide sufficient verification or continues to report information that remains unverified. This failure constitutes a direct violation of my rights under federal law and raises serious concerns about the accuracy, integrity, and reliability of the information being reported in my consumer 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 explanation
Consumer complaint received 2025-11-12 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: Williams, Rush & Associates, LLC
State: TX

Complaint narrative:
I am filing this complaint regarding an inaccurately reported collection account by XXXX ( Account ending in XXXXXXXX XXXX XXXX XXXX XXXX XXXX ), showing a high balance of {$1700.00} and a date opened of XX/XX/year>. 

I have no knowledge of this account and have never opened, authorized, or received any notice or validation from XXXX regarding such a debt. The reporting of this alleged collection account is false, misleading, and unverifiable, and it has caused harm to my credit standing.

Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, and the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2, debt collectors and furnishers must report only accurate and verifiable information. They are also legally required to provide full validation of any alleged debt upon request. XXXX has failed to provide any evidence or documentation proving the legitimacy of this account or that I am responsible for it. 

I have previously disputed this account with the credit bureaus, yet it continues to appear without verification or documentation. Therefore, I am escalating this matter to the Consumer Financial Protection Bureau ( CFPB ) for investigation and enforcement action to ensure compliance with federal consumer protection laws. 

Requested Action : I respectfully request that XXXX provide complete and verifiable documentation of this alleged debt, including the name of the original creditor, all account records, and a signed agreement. If such proof can not be produced, I am requesting the immediate and permanent deletion of this collection account from all credit reporting agencies.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I am writing this complaint with absolute certainty and deep frustration. There are multiple errors on my credit report that I can no longer ignore. These inaccuracies have been severely affecting my life and credit score, preventing me from achieving financial stability and peace of mind. This ongoing situation is unacceptable and has caused me unnecessary stress and hardship.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-12 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: PA

Complaint narrative:
I am writing this complaint with absolute certainty and deep frustration. There are multiple errors on my credit report that I can no longer ignore. These inaccuracies have been severely affecting my life and credit score, preventing me from achieving financial stability and peace of mind. This ongoing situation is unacceptable and has caused me unnecessary stress and hardship.

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 2025-11-12 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: PR

Complaint narrative:
On XX/XX/year>, I sent a Formal Pre-Litigation Notice to the Legal Departments of both TransUnion and Experian, demanding the immediate removal of a fraudulent XXXX account that was being reported without any lawful validation.

Despite this written notice and multiple previous disputes, both agencies completely ignored the demand and failed to provide any admissible documentation proving ownership of that account. Instead, a new fraudulent account from XXXX XXXX has now appeared on my credit reports, worsening the damages to my credit and reputation.

Neither TransUnion nor Experian has ever produced the original signed application, billing statements, IP address data, or any verifiable evidence required by the Fair Credit Reporting Act ( 15 U.S.C. 1681i and 1681e ( b ) ).

Their continued reporting of unverifiable and fraudulent accounts, even after a formal legal notice, constitutes willful noncompliance with the FCRA and ongoing negligence that severely affects my financial stability and rights as a consumer.

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