vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
XXXX  XXXX XXXX  account with account XXXX XXXXXXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

This account is incorrectly reporting that I have XXXX late payments. On my Experian report there are XXXX late payments being reported. 

XXXX XXXX XXXX  Installment account with account # XXXX opened on XX/XX/XXXX and a balance of {$920.00}. 

This account is incorrectly being reported as a charged off account with a balance due. Please delete the negative payment status on this account Under 15 U.S. Code 1692c, my rights were violated through unlawful communication by the debt collector. Due to this FDCPA violation and the inconsistency in reporting, I am requesting immediate removal of this collection from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I am requesting that you address these concerns promptly and provide all requested documentation within 30 days of receiving this letter. This includes : - Full validation of the alleged debt - A copy of the purchase agreement between your agency and the original creditor - Written confirmation that all future communications will be conducted by mail only Failure to respond appropriately will be treated as a continued violation of federal consumer protection laws and may result in legal action.

If any information about this disputed debt has been reported to the credit bureaus, I also demand that it be blocked from my credit file under Section 605B of the Fair Credit Reporting Act ( 15 U.S.C. 1681c2 ). Any unverifiable or identity-theft-related information must be removed upon request with proper documentation. This letter serves as a formal dispute and request for such action, if applicable.

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 2025-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: IL

Complaint narrative:
I have been attempting to resolve a judgment with Credit Acceptance that was originally handled by the now-defunct law firm XXXX, XXXX XXXX XXXX XXXX XXXX ). The current firm assigned to collect the debt, XXXX XXXX XXXX ( XXXX & XXXX ), has been unable to provide written documentation showing lawful reassignment, validation of the debt, or settlement/repayment options- only verbal confirmation with no resolution to actually settle. 

I have contacted both companies multiple times to obtain proper written documentation required by mortgage underwriting, but I have received no formal response. The original firm no longer exists ( one partner is deceased, the others are withdrawn or inactive per the Maine Bar ), and I am stuck in legal limbo. 

A representative at XXXX XXXX XXXX informed me that the account was closed with their office in 2023, yet Credit Acceptance continues to direct me back to them for resolution. I have not received any updated legal documentation or assignment since. This situation is directly interfering with a pending home loan despite my ongoing efforts to resolve the matter in good faith.

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 2025-04-30 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: DE

Complaint narrative:
CFPB 1st complaint - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX Texas XXXX XX/XX/year> Re : Second Request for Full Debt Validation Under the Fair Debt Collection Practices Act ( FDCPA ) Accounts XXXXXXXX XXXX # XXXX This is not full validation material documents attached XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXXXXXX XXXX 

To Whom It May Concern : This letter is a formal SECOND NOTICE that I am requesting full validation of the alleged debt you are attempting to collect. I previously requested validation pursuant to the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S. Code 1692g, and you have either failed to respond or provided insufficient documentation. 

I am again asserting my right under federal law and reiterating my request for complete validation of this alleged debt. This includes, but is not limited to, the following documentation : A complete purchase agreement, assignment contract, or other legal documentation showing that your company has the right to collect on this debt. This must show an unbroken chain of ownership from the original creditor to your company. 

A full itemized accounting of the amount you claim is owed, including : The original balance All interest, fees, and other charges Payments or credits applied to the account A copy of the original contract, application, or agreement bearing my signature or other evidence establishing my alleged liability. 

The name and address of the original creditor, and the account number with them. 

Proof that the debt is not time-barred under the applicable statute of limitations in [ Your State ]. 

A copy of your companys license to collect debts in my state, if applicable. 

A statement that this debt has not been discharged in bankruptcy. 

A copy of your bond information as required by the Fair Debt Buying Practices Act ( if applicable in your state ). 

Notice to Cease Litigation and Collection Activity : Until you fully validate this debt as required by law, you must cease all collection activity, including phone calls, letters, reporting to credit bureaus, and any legal proceedings. Continued attempts to collect without proper validation is a violation of 15 U.S.C. 1692g and may be reported to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney Generals office. 

Attached you will find the papers that XXXX XXXX gave to prove debt. 
Current ID and mail with address to match from insurance company. 



Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Capio Partners, LLC
State: OH

Complaint narrative:
RECOVERI XXXX said I owe a debt but when I had my credit pulled that debt wasnt there. Financial coach and myself believe this was a scam. 

Paid on XX/XX/XXXX and XX/XX/XXXX nothing is on report and no best has been resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: MA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

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 2025-04-30 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: MA

Complaint narrative:
I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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: NY

Complaint narrative:
I was alarmed to find these inaccurate late payment remarks on my credit report this morning without any explanation. As part of my routine, I reviewed my report, but this time, I noticed discrepancies that hadnt been there before. Hoping it was just a system glitch, I refreshed my browser, yet the errors persisted. Because of this, I am requesting a thorough verification of the documents I have provided so that I can put this issue behind 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 2025-04-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to express my serious concern regarding the lack of resolution for my previous dispute about unauthorized inquiries on my credit report, which I submitted on XX/XX/year>2024. According to my rights under the Fair Credit Reporting Act ( FCRA ), specifically sections 611 ( 15 U.S.C. 1681i ), 609 ( 15 U.S.C. 1681g ), and 604 ( 15 U.S.C. XXXX ), I demand an immediate resolution. 
Unauthorized Inquiries in Question : TransUnion XXXX XXXX XXXX - XX/XX/year> XXXX  - XX/XX/year> Basis for Dispute Section 611 ( 15 U.S.C. 1681i ) requires a prompt investigation of disputed information. I submitted my dispute over 30 days ago and have yet to receive an adequate resolution.

Section 609 ( 15 U.S.C. 1681g ) grants me the right to access all information in my file, including the results of your investigation. To date, I have not received the required information. 
Section 604 ( 15 U.S.C. 1681b ) defines the permissible purposes for obtaining credit reports. These inquiries were made without my consent and do not meet any permissible purpose under this section.

Immediate Request : I demand immediate action to resolve this dispute. Specifically, I request the following : Thorough Reinvestigation : Conduct a thorough reinvestigation of the unauthorized inquiries.

Removal of Unauthorized Inquiries : Remove any inquiries found to be unauthorized from my credit report.

Updated Credit Report : Provide me with an updated copy of my credit report reflecting these changes.

Enclosed are copies of my previous dispute letter and a copy of my identification for verification purposes.

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 2025-04-29 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 a victim of identity theft. An account was fraudulently opened in my name without my knowledge or permission. This account is negatively affecting my credit report. 

Details of the fraudulent account : Creditor : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I submitted a dispute to [ Equifax/Experian/TransUnion ] under my rights provided by 15 U.S. Code 1681c2, requesting that the account be blocked and removed from my report. I also included : My FTC Identity Theft Report ( attached ) A police report ( if available ) Proof of my identity Despite this, the fraudulent account remains on my credit report and is causing ongoing harm. 

I am requesting that the CFPB assist in compelling the company to : 1. Immediately block and remove the fraudulent account.

2. Stop reporting it to other companies.

3. Confirm in writing that the correction has been made.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am a victim of identity theft. An account was fraudulently opened in my name without my knowledge or permission. This account is negatively affecting my credit report. 

Details of the fraudulent account : Creditor : XXXX XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  I submitted a dispute to [ Equifax/Experian/TransUnion ] under my rights provided by 15 U.S. Code 1681c2, requesting that the account be blocked and removed from my report. I also included : My FTC Identity Theft Report ( attached ) A police report ( if available ) Proof of my identity Despite this, the fraudulent account remains on my credit report and is causing ongoing harm. 

I am requesting that the CFPB assist in compelling the company to : 1. Immediately block and remove the fraudulent account.

2. Stop reporting it to other companies.

3. Confirm in writing that the correction has been made.

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 2025-04-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Credit monitoring or identity theft protection services — Didn't receive services that were advertised
Company: Servicer under contract with Federal Student Aid
State: TN

Complaint narrative:
Hi my name is XXXX XXXX XXXX. I attended Tennessee XXXX of XXXX beginning XX/XX/year> ( which was shut down due to fraudulence ). I have reached out to several people for help and have found none. I never was able to take my state board due to this. I was never able to benefit from all the time i put in. They took out multiple loans in my name. THREE OF THEM. XXXX in the amount of ( XXXX ), another in the amount of ( XXXX ) and another in the amount of ( XXXX ) which is a sum total of {$8800.00}!!! PLEASE PLEASE REMOVE THIS DEBT FROM MY REPORT. 

THEY WERE FRAUDS...... I DIDNT BENEFIT FROM THE INSTITUTION AT ALL. PLEASE HELP ME!!

Company response to consumer: Untimely response
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
Subject : Formal Dispute of Inaccurate & Unverifiable Accounts Under FCRA Immediate Action Required Dear [ Bureau Name ], This letter serves as a formal dispute pursuant to the Fair Credit Reporting Act ( 15 U.S.

Code 1681 et seq. ) regarding the inaccurate, incomplete, and potentially unverifiable reporting of the following accounts listed on my credit file : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX This account is reporting a charge-off with a {$5500.00} balance but lacks full documentation showing lawful ownership, itemized charges, or a complete payment history. 
There is no contractual proof provided validating this debt under my responsibility, and the dispute resolved comment was added without proper resolution or consumer verification, in violation of FCRA 1681s-2 ( a ) ( 3 ). 
I am requesting full validation including the original contract, full accounting ledger, and written charge-off explanation. 
If the reporting party can not produce these items, this tradeline must be immediately deleted under FCRA 1681i ( a ) ( 5 ). 

XXXX XXXX ( XXXX XXXX  ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX This revolving account reflects derogatory charge-off status with a balance of {$340.00} yet also lists a credit limit of {$300.00}, which creates an inconsistent and mathematically inaccurate balance-to-limit ratio. 
Additionally, the consumer statement and charge-off comments appear contradictory and are likely misleading to third-party users of the report. 
The " profit and loss write-off '' combined with " charged off as bad debt '' and a " consumer dispute '' label is excessive, redundant, and damages my creditworthiness potentially violating FCRA 1681e ( b ) due to inaccurate reporting standards.

I request the removal or immediate correction of this tradeline unless full validation and ownership documentation can be provided.

These accounts are damaging my credit profile and are either not verified, outdated, duplicative, incomplete, or misleading in violation of multiple provisions of the FCRA, including : 1681e ( b ) Failure to report with maximum accuracy 1681i Failure to reinvestigate disputed information 1681s-2 ( b ) Furnisher obligations to correct and delete inaccurate data Please conduct a thorough reinvestigation within the 30-day period required by federal law. If you can not verify the accounts with original creditor contracts and documents, these accounts must be deleted. 
I also request you block re-reporting of any removed item under FCRA 1681i ( a ) ( 5 ) ( C ) unless certification is obtained. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: FL

Complaint narrative:
Subject : Formal Dispute of Inaccurate & Unverifiable Accounts Under FCRA Immediate Action Required Dear [ Bureau Name ], This letter serves as a formal dispute pursuant to the Fair Credit Reporting Act ( 15 U.S.

Code 1681 et seq. ) regarding the inaccurate, incomplete, and potentially unverifiable reporting of the following accounts listed on my credit file : XXXX XXXX XXXX XXXX  Account # : XXXX XXXX XXXX XXXX XXXX This account is reporting a charge-off with a {$5500.00} balance but lacks full documentation showing lawful ownership, itemized charges, or a complete payment history. 
There is no contractual proof provided validating this debt under my responsibility, and the dispute resolved comment was added without proper resolution or consumer verification, in violation of FCRA 1681s-2 ( a ) ( 3 ). 
I am requesting full validation including the original contract, full accounting ledger, and written charge-off explanation. 
If the reporting party can not produce these items, this tradeline must be immediately deleted under FCRA 1681i ( a ) ( 5 ). 

XXXX XXXX ( XXXX XXXX  ) Account # : XXXXXXXX XXXX XXXX XXXX XXXX This revolving account reflects derogatory charge-off status with a balance of {$340.00} yet also lists a credit limit of {$300.00}, which creates an inconsistent and mathematically inaccurate balance-to-limit ratio. 
Additionally, the consumer statement and charge-off comments appear contradictory and are likely misleading to third-party users of the report. 
The " profit and loss write-off '' combined with " charged off as bad debt '' and a " consumer dispute '' label is excessive, redundant, and damages my creditworthiness potentially violating FCRA 1681e ( b ) due to inaccurate reporting standards.

I request the removal or immediate correction of this tradeline unless full validation and ownership documentation can be provided.

These accounts are damaging my credit profile and are either not verified, outdated, duplicative, incomplete, or misleading in violation of multiple provisions of the FCRA, including : 1681e ( b ) Failure to report with maximum accuracy 1681i Failure to reinvestigate disputed information 1681s-2 ( b ) Furnisher obligations to correct and delete inaccurate data Please conduct a thorough reinvestigation within the 30-day period required by federal law. If you can not verify the accounts with original creditor contracts and documents, these accounts must be deleted. 
I also request you block re-reporting of any removed item under FCRA 1681i ( a ) ( 5 ) ( C ) unless certification is obtained. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: CL Holdings LLC
State: VA

Complaint narrative:
Account XXXX XXXX XXXX XXXX  XXXX. Im unaware of this debt and did not have the opportunity to dispute this account. If you believe you sent proper notification, please provide Certified Mail with receipt displaying my signature. If not, please delete account # XXXX as soon as possible from my report or I will have to take legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 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: LA

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. There is also a BANKRUPTCY reporting on my credit report, These BANKRUPTCY is not mine and is result of FRAUD/ERROR. Please REMOVE it from my credit report IMMEDIATELY! because it is hurting my credit score so much. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proofofmyidentity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief