vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-09 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: GA

Complaint narrative:
Since creditors are not complying with my request in accordance with the FCRA, I demand that the accounts, inquiries, and personal information be block or deleted per CFPB for Sham Investigators of Credit Report Errors 15 U.S Code 1691b - Promulgation of regulations by the law.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that these credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX. 

Further action will be taken to defend my rights and hold the creditors responsible for their heinous acts if my demands are not met. For my grievance, please refer to the enclosed file! Also, the correct year of birth listed should be 1993. Also, the ONLY address that should be listed XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX The ONLY name listed should be 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 2025-10-09 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: GA

Complaint narrative:
Since creditors are not complying with my request in accordance with the FCRA, I demand that the accounts, inquiries, and personal information be block or deleted per CFPB for Sham Investigators of Credit Report Errors 15 U.S Code 1691b - Promulgation of regulations by the law.

I request, pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ), that these credit reporting agency block all of the accounts, collections, and hard inquiries identified in this CFPB complaint from my consumer credit file within 4 business days of receiving said complaint. I request that all written confirmation regarding this CFPB complaint be sent to me via email to the email address XXXX. 

Further action will be taken to defend my rights and hold the creditors responsible for their heinous acts if my demands are not met. For my grievance, please refer to the enclosed file! Also, the correct year of birth listed should be 1993. Also, the ONLY address that should be listed XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX GA XXXX The ONLY name listed should be XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: TX

Complaint narrative:
I have identified collection accounts on my credit report that I believe contain inaccurate information. In accordance with 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to a credit report that is both accurate and verifiable. I request a review of these entries, and if they can not be confirmed as accurate, they should be removed.

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 2025-10-09 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: IL

Complaint narrative:
I am submitting a formal complaint against [ Credit Bureau Name ] for continuing to report inaccurate and unverifiable information on my credit report, in violation of multiple sections of the Fair Credit Reporting Act ( FCRA ). 
On [ Date of credit report ], I identified discrepancies in the following account : Account Number : XXXX XXXX XXXX XXXX  Issue : Account number, date last activity, high balance. 

I submitted a dispute directly with the credit bureau and requested a reinvestigation pursuant to : FCRA Section 611 ( 15 U.S.C. 1681i ) : Right to dispute inaccurate information and receive a reinvestigation within 30 days FCRA Section 609 ( a ) ( 1 ) ( A ) : Right to request original documentation for verification ( e.g., signed consumer contract ) FCRA Section 623 ( a ) ( 5 ) : Requirement to delete any information that can not be verified with the original creditor FCRA Section 1681e ( b ) : Obligation to ensure maximum possible accuracy in reporting Despite my detailed request, the bureau failed to conduct a proper reinvestigation within the 30-day period, and the disputed information remains on my report. This inaction has negatively affected my credit profile and financial standing.

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 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: First National Collection Bureau, Inc.
State: WA

Complaint narrative:
On XX/XX/year> at XXXX, I received a text message from First National Collection Bureau , Inc. that said : Call us at XXXX or visit us online using reference number [ redacted ] at XXXX. Reply STOP to opt out. 

The text included a photograph of a second message that said : Hi [ redacted ], This message is from First National Collection Bureau , Inc., a debt collector. This is an attempt to collect a debt, any information obtained will be used for that purpose. Reply STOP to opt out. 

Providing the required debt collection disclosure as an image rather than as text makes it harder to read, forward, or filter, and I believe it may be an attempt to circumvent text filters or accessibility requirements. I did not respond to the message and want to report this practice as deceptive.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: NV

Complaint narrative:
Im reporting inaccurate credit reporting on my Equifax file involving an account from XXXX XXXX XXXX. The account was charged off and closed in XXXX, yet Equifax continues to show it as a current charge-off with a Date Reported of XXXX. This makes the account appear recent, which is false and is severely hurting my credit score. 

When I called Equifaxs dispute department, the representative told me the account now shows a Date Reported of XX/XX/XXXX instead of XX/XX/XXXX, confirming that it is being updated monthly. A closed, charged-off account should not continue to update every month, and doing so constitutes re-aging under the Fair Credit Reporting Act ( FCRA 605 ( a ) and 623 ( a ) ( 2 ) ).

Im requesting that Equifax investigate this issue and correct the reporting so that the Date Reported and status reflect the original XXXX charge-off date, and that further monthly updates on this account be stopped. Ive attached a screenshot from my credit report showing the inaccurate XXXX reporting. 


I opened a dispute on XX/XX/XXXX. They then finished their investigation stating that the collections account was mine and closed it. 

I am aware that it is my account but my reason for dispute was to let them know about the re aging. I then called the dispute center and told me the " date reported '' was now in XXXX showing that conns is showing activity every month when it was closed in XXXX. 


it will be the same situation with XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 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: GA

Complaint narrative:
Dear TransUnion I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act. 
The specific information I am disputing is as follows : FRAUDULENT 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

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 2025-10-09 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: VA

Complaint narrative:
I'm putting down to give my nervousness concerning the tried accounts on my credit report. On different events, I have raised the issue of mistakes in these records, and have dependably alluded to that they be totally penniless down. Notwithstanding what my undertakings, I in the long run can't get any objective or steady turn of events. These off track records are truly hurting my credit document and obstructing my ability to happen with a standard life. The obnoxious aftereffects of these mistakes have caused tremendous hardships for me, and I'm left with no choice close to rapidly fight for your assistance with reviewing what's happening. I liberally request that you direct a vigilant assessment concerning the fundamental of these tried records. It is basic that the main pushes are taken to reestablish and alter my credit report right away. With your help, I really want to restore the exactness and dependability of my credit record so I could recover control over my money related accomplishment. I really request that you present this matter your for the most part ludicrous suggestion and take a fast action. Your assistance and moving in settling this issue quickly would be astoundingly basic. Much appreciation to you without skipping a beat for your understanding and help.

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 2025-10-09 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: Cascade CISS Holdings, LLC
State: NV

Complaint narrative:
XXXX  This account is a result of indenity theft and i would like it to be removed ASAP. My social security information has be compromised and someone has been using my information they even tried to file my taxes last year to the point I had to go into the IRS in person. Please remove from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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:
Dear Equifax I am writing to formally dispute the accuracy of certain information reported on my credit report under Section 605B of the Fair Credit Reporting Act.

The specific information I am disputing is as follows : FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX FRAUDULENT INQUIRIES : XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ava Finance, Inc
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX XX/XX/XXXX Ava Financial [ Collection Agency Address ] Subject : Debt Validation Request Account # XXXX Dear Ava Financial, This letter is sent in response to an entry appearing on my credit report from your company. Please be advised that this is a formal request for validation of the alleged debt pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ).

I am not refusing to pay ; however, I request that you provide proper documentation verifying that I am legally obligated to pay the debt you claim. Specifically, please provide : 1. The name and address of the original creditor.

2. The original account number and the date the account was opened.

3. The date of last payment and an itemized balance, including all fees and interest.

4. A copy of the original signed contract or agreement with my signature.

5. Proof that your company has been legally assigned or purchased this debt and has the right to collect in my state.

Until such documentation is provided, please cease all collection activities, including reporting to any credit bureaus, as doing so without proper validation constitutes a violation of the FDCPA and the Fair Credit Reporting Act ( FCRA ).

If you can not provide the requested information, please remove the account from all credit reporting agencies ( Equifax, Experian, and TransUnion ) immediately and confirm in writing that you have done so. 

Please respond within 30 days of receipt of this letter. 

Sincerely, XXXX XXXX XXXX Last XXXX of XXXX : XXXX XXXX : XX/XX/XXXXXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 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: AZ

Complaint narrative:
It has come to my attention that my personal information was involved in a national data breach. After reviewing my credit reports, I noticed several accounts that I do not recognize and have never opened. 

I have contacted the credit reporting agencies ( CRAs ) and requested validation or verification of these accounts, as required under the Fair Credit Reporting Act ( FCRA ), but the information has not been provided. 

These accounts appear to have been added without my authorization, and there is a strong possibility they resulted from identity theft connected to the national data breach. Despite multiple disputes and written requests for validation, I have not received proper documentation or proof that these accounts are valid. 

The CRAs failure to validate or remove these unverifiable accounts constitutes a violation of the Fair Credit Reporting Act ( FCRA ) Sections 611 ( a ) failure to reinvestigated disputed information and 609 ( a ) ( 1 ) failure to disclose information in the consumers file. 

I respectfully request the CFPB to investigate this matter, as my rights under the FCRA have been violated. The CRAs should not continue reporting unverified or fraudulent accounts potentially created as a result of this data breach.

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 2025-10-09 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

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 2025-10-09 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: PA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Chime Financial Inc
State: WI

Complaint narrative:
I am writing to formally express my concerns regarding XXXX 's handling of disputes, particularly in light of the recent CFPB lawsuit highlighting significant issues with the platform. Despite using XXXX numerous times and reporting discrepancies, my financial institution and XXXX failed to investigate my claims adequately. They informed me that recovering lost funds was impossible and that tracking these transactions was unfeasible. The CFPB 's findings indicate that XXXX has not only neglected to protect consumers but has also allowed repeat offenders to exploit the system, leaving users vulnerable to scams. This lack of accountability and transparency is unacceptable and raises serious concerns about consumer safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-10 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: CA

Complaint narrative:
Complaint filed by XXXX XXXX XXXX, XXXX, as authorized representative of XXXX XXXX under attached assignment/authorizationagreement. 

I am filing this complaint against Transunion for the continued reporting of inaccurate late payment entries, despite my dispute under the Fair Credit Reporting Act ( FCRA ). The accounts in question are : XXXX XXXX XXXX Late Date Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Reported XXXXXXXX XXXX XXXX XXXX Late Date Reported XXXXXXXX XXXX XXXX XXXX XXXXXXXX Late Date Reported XX/XX/year>XXXX XXXX XXXX XXXXXXXX 30 days late XXXX XXXX XXXXXXXX 30 days late. These late payment notations are the direct result of the furnishers internal reporting errors. I never failed to make timely payments on these accounts. The furnishers misreported my payment history to Transunion, yet Transunion continues to publish this inaccurate information on my credit file. I previously disputed these inaccuracies with Transunion under FCRA 1681i, which requires them to conduct a reasonable reinvestigation and delete or correct any information found to be inaccurate, incomplete, or unverifiable. Transunion failed to conduct a proper investigation and continues to report these unverifiable late payments. Per FCRA 1681s-2 ( a ) ( 1 ) ( A ), furnishers are prohibited from reporting information they knowor have reasonable cause to believeis inaccurate. Despite this, Transunions reinvestigation process failed to identify or correct these reporting errors. These false late payment entries have caused significant damage to my creditworthiness, emotional distress, and financial harm, as they have negatively impacted my credit score and ability to obtain favorable credit terms.

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