vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: MI

Complaint narrative:
Subject : Debt collectors failed to send required written validation notices FDCPA & FCRA violations What happened : I am submitting a complaint regarding three collection accounts listed on my Experian credit report. These accounts are being reported by : XXXX. XXXX XXXX XXXX XXXX XXXX creditor : XXXX XXXX : {$5600.00} XXXX. XXXX XXXX XXXX XXXX creditor : XXXX XXXX XXXX XXXX XXXX : {$1000.00} XXXX. XXXX XXXX XXXX Original creditor : XXXX XXXX : {$1800.00} I disputed these debts and requested validation under the Fair Debt Collection Practices Act ( FDCPA ). None of the debt collectors mailed me a written validation notice within five ( 5 ) days of their initial communication, as required by 15 U.S. Code 1692g ( a ). 

Despite my disputes, they continued to report the debts to Experian without validating them. This violates the Fair Credit Reporting Act ( FCRA ), particularly 623 ( a ) ( 1 ) ( A ), which prohibits reporting inaccurate or unverifiable information to a credit reporting agency. 

These debts remain unvalidated and are negatively affecting my credit file. 

What I want to happen : Immediately delete the unvalidated collection accounts from my credit report Provide written confirmation of deletion Cease all further collection activity related to these accounts Attachments : Experian credit report ( dated XX/XX/year>XXXX  )

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
Upon meeting with my attorney, I have noticed some unauthorized accounts and inquiries on my credit report due to the Equifax Data breach. I have proof of me being a victim of the data breach and have listed all the unauthorized accounts on my profile. Please delete and block these unauthorized items from my credit report according to FCRA 605B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This letter is to inform you that my credit report contains false account entries. I am not responsible for these items, and they are the result of fraudulent activity conducted without my knowledge or 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 non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ONLINE Information Services, Inc.
State: TX

Complaint narrative:
This collection stems from a rental that I have not resided in since XXXX It is far past the legal timeline where is can be posted legally on my credit bureaus. This collection is a true violation of my rights under the Fair Credit Reporting Act and the Fair Debt Collection Practices Act. DELETE THIS COLLECTION PERMANENTLY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am requesting the immediate removal of a hard inquiry on my credit report that was made without my consent. This unauthorized inquiry is negatively affecting my creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am filing this complaint because the credit bureau has continued to report fraudulent account resulting from identity theft, despite my formal disputes and submission of supporting documentation ( including an FTC Identity Theft Report ). More seriously, the bureau has reinserted previously deleted fraudulent account without the proper certification from furnishers and without providing the required consumer notice, in direct violation of FCRA 1681i ( a ) ( 5 ). This misconduct is not an isolated incident. In fact, credit bureau was sued late last year for the exact same unlawful practice, demonstrating a broader pattern of disregard for the Fair Credit Reporting Act and consumers ' rights. The bureau has failed to conduct a reasonable reinvestigation under FCRA 611 ( a ) / 15 U.S.C. 1681i, has not provided written verification or original documentation proving the legitimacy of the accounts, and continues to report unverifiable negative information, harming my credit and causing ongoing distress. XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Winklevoss Exchange LLC
State: AZ

Complaint narrative:
I have an account with XXXX. To verify your banking account it says to deposit money via a wire transfer. I wire transferred multiple times totaling roughly {$17000.00} and this did not verify my account even though thats how the application says to verify. 

I want to withdrawl my money and Im not able to, due to banking not being verified. 

I put multiple requests in over months and they requested bank account statements and routing information, which I provided. 

They still havent verified my account and I want my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was a victim of identity theft, and I am requesting that fraudulent information be removed from my credit report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are required to act swiftly and remove fraudulent accounts within 4 business days upon receipt of this request. Some of the disputed items are completely unknown to me, while others have been successfully removed by other credit bureaus, raising concerns regarding their accuracy and legitimacy. 
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I was a victim of identity theft, and I am requesting that fraudulent information be removed from my credit report. Under FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are required to act swiftly and remove fraudulent accounts within 4 business days upon receipt of this request. Some of the disputed items are completely unknown to me, while others have been successfully removed by other credit bureaus, raising concerns regarding their accuracy and legitimacy. 
XXXX XXXX XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX XXXX XXXX NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to formally dispute inaccurate and unverifiable information listed on my credit report. I obtained a copy of my report and noticed the following account ( s ) that I believe are reporting in error : XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Account charged off. {$24000.00} written off. {$24000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX  Balance {$24000.00} XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Account charged off. {$2100.00} written off. {$2100.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2100.00} Balance updated XX/XX/XXXXXXXXXXXX XXXXXXXX XXXX  Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Account charged off. {$1500.00} written off. {$1500.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX  Balance {$1500.00} Balance updated XX/XX/XXXXXXXX XXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$780.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX  Balance {$780.00} Balance updated XX/XX/XXXXXXXX XXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Collection account. {$1200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$6900.00} written off. {$6900.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$6900.00} Balance updated XX/XX/XXXX I am requesting a thorough investigation of this account, as I believe the information being reported may be inaccurate, incomplete, or unverifiable in accordance with the Fair Credit Reporting Act ( FCRA ). 

The balance, dates, or status of this account appears to be incorrect. 

Under Section 611 of the FCRA, I respectfully request the following : That you investigate and verify the accuracy of the information.

That you provide documentation substantiating the validity of this account. 

That if the account can not be verified within 30 days, it be deleted or corrected immediately from my credit file. 

I have enclosed a copy of my government-issued ID, proof of address, and a copy of the credit report highlighting the disputed entry for your reference. 

Please confirm in writing once the investigation is complete and provide an updated copy of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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:
I am writing to formally dispute inaccurate and unverifiable information listed on my credit report. I obtained a copy of my report and noticed the following account ( s ) that I believe are reporting in error : XXXX XXXX XXXX XXXX Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Account charged off. {$24000.00} written off. {$24000.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX  Balance {$24000.00} XXXX XXXX  Account number XXXX Account type Credit card Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Account charged off. {$2100.00} written off. {$2100.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$2100.00} Balance updated XX/XX/XXXXXXXXXXXX XXXXXXXX XXXX  Account number XXXX Account type Charge Card Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Account charged off. {$1500.00} written off. {$1500.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX  Balance {$1500.00} Balance updated XX/XX/XXXXXXXX XXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXX Status Collection account. {$780.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXXXXXX  Balance {$780.00} Balance updated XX/XX/XXXXXXXX XXXX Account number XXXX Account type Education Responsibility Individual Date opened XX/XX/XXXXXXXX  Status Collection account. {$1200.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$1200.00} Balance updated XX/XX/XXXX XXXX XXXX XXXX XXXXXXXX Account number XXXX Account type Unsecured Responsibility Individual Date opened XX/XX/XXXX Status Account charged off. {$6900.00} written off. {$6900.00} past due as of XX/XX/XXXX. 
Status updated XX/XX/XXXX Balance {$6900.00} Balance updated XX/XX/XXXX I am requesting a thorough investigation of this account, as I believe the information being reported may be inaccurate, incomplete, or unverifiable in accordance with the Fair Credit Reporting Act ( FCRA ). 

The balance, dates, or status of this account appears to be incorrect. 

Under Section 611 of the FCRA, I respectfully request the following : That you investigate and verify the accuracy of the information.

That you provide documentation substantiating the validity of this account. 

That if the account can not be verified within 30 days, it be deleted or corrected immediately from my credit file. 

I have enclosed a copy of my government-issued ID, proof of address, and a copy of the credit report highlighting the disputed entry for your reference. 

Please confirm in writing once the investigation is complete and provide an updated copy of my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I have reviewed my credit file and identified entries that are inaccurate and fraudulent. I did not authorize these accounts, and I am not liable for any activity related to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: IA

Complaint narrative:
This is a follow-up to CFPB Complaint # XXXX. XXXX XXXX  failed to properly respond to my formal dispute of a charged-off account reported on my credit report. I requested debt validation and legal proof of ownership under FCRA 1681s-2 and FDCPA 1692g. 

They did not provide a signed contract, proof of chain of title, or confirmation of whether a Form 1099-C or 1099-A was issued to the IRS, which would indicate the debt was canceled or discharged.

Instead, the company only marked the account as disputed but continues to report it. This violates consumer protections because : A discharged debt ( especially one forgiven and reported as taxable income ) can not legally remain on my credit file.

Reporting a charged-off debt that has also been monetized or securitized without full disclosure violates the FCRA and may constitute double reporting or tax fraud.

XXXXXXXX XXXX may have securitized this debt, which means they no longer own or control it and can not lawfully collect or report on it without disclosing the true owner and trust. 

I submitted my request in writing and provided supporting evidence and ID. I requested that the account be : Deleted from all credit bureaus Validated with a signed agreement Confirmed against any IRS filings XXXX XXXX  failure to comply or provide this proof is now being escalated to the IRS, FTC, and State Attorney General. Please reopen this complaint and require XXXX XXXX  to delete the account or provide full validation, including ownership and tax disclosure documentation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: KS

Complaint narrative:
I submitted a dispute to Experian regarding an account reported by XXXX XXXX XXXX. My dispute was based on the fact that I do not recognize the account, have never received an itemized bill or any form of debt validation from XXXX, and dispute its accuracy. 

Despite this, Experian closed the dispute without making any changes, claiming the information was verified. 
I was not provided any supporting documentation or clear explanation. 

This is a violation of the Fair Credit Reporting Act ( FCRA ), which requires that a reasonable reinvestigation be performed and proper validation of debts be available to the consumer. The continued reporting of this unvalidated debt is causing harm to my credit profile. 


I requested full validation of the alleged debt including an itemized breakdown, proof of ownership, and the original contract as permitted under FCRA. I also requested accurate correction or deletion of the tradeline based on the lack of response or verification from the furnisher ( XXXX XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am writing to request your help in investigating these accounts, which are inaccurately reflected on my credit report. As outlined in USC 1681g, I am formally requesting that they be removed within 15 days. I have provided all relevant documentation for your review. It is also important to note that the reported information varies and is inaccurate across different credit bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with 15 U.S.C. 1681g ( a ) ( 1 ) and 1681i, I hereby formally demand that you produce a complete, legible copy of the original, signed consumer contract bearing my wetink signature the verifiable and validated proof which allegedly substantiates the abovereferenced accounts inclusion on my credit file. 

Kindly note : duplicates, facsimiles, or electronically reproduced copies fail to meet the statutory standard of verification. 

Pursuant to FCRA 609 ( a ) ( 1 ) ( A ), it is your legal obligation to obtain and provide authentic documentation substantiating the accuracy of any tradeline you report. Should you be unable to furnish such proof within 30 calendar days of receipt of this correspondence, you must effectuate immediate deletion of the accounts from all versions of my credit report. 

Furthermore, FCRA 623 ( a ) ( 1 ) ( A ) mandates that furnishers remove any information that can not be verified. Under 15 U.S.C. 1681o, negligent noncompliance renders your organization liable for actual damages, attorneys fees, and costs ; and under 1681n, willful violations may subject you to statutory damages and punitive awards.

Judicial precedent and regulatory enforcement reinforce this duty : Courts have imposed significant liability for failures to remove unverifiable or inaccurate data ( e.gXXXX XXXX XXXX XXXX  {$18.00} XXXX ; Thomas v. TransUnion {$5.00} XXXX ). 

The CFPB recently secured a {$15.00} XXXX settlement after systemic investigatory and procedural lapses. 

Accordingly, I require either : A certified copy of the original wetink signed agreement ; or Written confirmation that this account has been permanently deleted from all credit files you maintain. 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 non-monetary relief
Consumer complaint received 2025-07-11 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation