vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-31 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: SC

Complaint narrative:
This letter serves as a formal demand, not a request, for the immediate permanent deletion of the charged-off account listed below from all consumer reporting agencies under your control or influence.

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), I am asserting my right to accurate, verifiable, and complete reporting. The continued reporting of this charged-off debt is not only misleading but in violation of federal law if it is not being actively verified, updated, and reported accurately.

Here 's the problem : The debt in question has been charged off, which, by definition, means it was written off as a business loss.

According to IRS guidelines, any charged-off debt may be claimed as a tax write-off under Section 166 of the Internal Revenue Code. This means you have effectively acknowledged this as a loss, and you are no longer entitled to collect or profit from it. 
If you have already received tax benefits from this charge-off, your continued reporting of the debt to consumer reporting agencies appears to be an attempt to punish or coerce payment after benefiting from its loss which could be interpreted as double-dipping and unethical at best. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Further, if you have sold, transferred, or assigned this debt to a third party, you no longer own it and have zero legal standing to report it. Reporting by a non-owner is a violation of the FCRA and constitutes willful defamation of my character and creditworthiness. 

I demand the following : 1. Immediate and unconditional deletion of this account from all consumer reporting agencies ( Experian, Equifax, TransUnion ).

2. Written confirmation that this account has been deleted and will not be sold or reassigned to any third-party collection agency in the future.

You have 15 days from receipt of this letter to comply. Failure to do so will result in the following actions without further notice : Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 
A lawsuit under the FCRA for actual damages, punitive damages, and attorneys fees for willful noncompliance and continued defamation. 
This is your final opportunity to resolve this matter amicably.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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: SC

Complaint narrative:
This letter serves as a formal demand, not a request, for the immediate permanent deletion of the charged-off account listed below from all consumer reporting agencies under your control or influence.

Under the Fair Credit Reporting Act ( 15 U.S. Code 1681 ), I am asserting my right to accurate, verifiable, and complete reporting. The continued reporting of this charged-off debt is not only misleading but in violation of federal law if it is not being actively verified, updated, and reported accurately.

Here 's the problem : The debt in question has been charged off, which, by definition, means it was written off as a business loss.

According to IRS guidelines, any charged-off debt may be claimed as a tax write-off under Section 166 of the Internal Revenue Code. This means you have effectively acknowledged this as a loss, and you are no longer entitled to collect or profit from it. 
If you have already received tax benefits from this charge-off, your continued reporting of the debt to consumer reporting agencies appears to be an attempt to punish or coerce payment after benefiting from its loss which could be interpreted as double-dipping and unethical at best. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Further, if you have sold, transferred, or assigned this debt to a third party, you no longer own it and have zero legal standing to report it. Reporting by a non-owner is a violation of the FCRA and constitutes willful defamation of my character and creditworthiness. 

I demand the following : 1. Immediate and unconditional deletion of this account from all consumer reporting agencies ( Experian, Equifax, TransUnion ).

2. Written confirmation that this account has been deleted and will not be sold or reassigned to any third-party collection agency in the future.

You have 15 days from receipt of this letter to comply. Failure to do so will result in the following actions without further notice : Formal complaints filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney General. 
A lawsuit under the FCRA for actual damages, punitive damages, and attorneys fees for willful noncompliance and continued defamation. 
This is your final opportunity to resolve this matter amicably.

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 2025-07-31 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA XXXX05B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within XXXX business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$5600.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$5900.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$1200.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1600.00} XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$1800.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
While pumping gas, an unknown individual stole my purse from my vehicle. XXXX were all of my credit cards, my husband 's personal information, and details belonging to my children. We immediately contacted the police and filed an official report. This theft resulted in unauthorized access to my financial and personal data. I am requesting all three credit bureaus to flag my file for identity theft and block any fraudulent accounts or activity that may result from this incident.

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 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Advantage Credit, Inc.
State: CA

Complaint narrative:
I ran a credit report for a client of mine to submit for a residential loan. The borrower got slammed with solicitors after the report was run. I am told by the XXXX XXXX that the bureaus sell the information to these other companies. This totally undermines the trust my client has in me. This information should be between me and the borrower. The bureaus are way out of line making this information available to anyone who wants to pay for it. I find it quite disgusting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I paid for the XXXX month lease and deposit from XXXX offer but the person who provide all the information is the Scam who toke money for XXXX moth lease and XXXX month deposit. {$7200.00} total. 
After deposit was done from the XXXX Bank of America to the account in Bank of America as well on XXXX XX/XX/year> XXXX never called me back or even block me. 
Bank refused to corporate and frozeny cash when I informed about incident. I done police rapport for XXXX and even with that bank is not working on my case telling it was my fault to send the 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 2025-07-31 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: LA

Complaint narrative:
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 XXXX XXXXarty credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

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 2025-07-31 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: LA

Complaint narrative:
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 XXXX XXXXarty credit repair agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX  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. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Was not notified of investigation status or results
Company: Early Warning Services, LLC
State: GA

Complaint narrative:
On XX/XX/year>, I submitted a formal dispute and legal demand to XXXX XXXX XXXX ( EWS ) requesting the permanent deletion of my entire consumer file under the Fair Credit Reporting Act ( FCRA ), specifically 605C, 605B, 611, 616, and 617. 

I am a federally documented victim of human trafficking, and I am under federal witness/victim protection. I submitted : A certified human trafficking determination from the XXXX XXXX XXXX XXXX A letter of protection from a federal relocation program My ID and supporting records These documents meet the federal definition of victim determination under FCRA 605C and 12 C.F.R. 1022.142 ( c ).

I also invoked FCRA 605B to block information tied to identity theft and 611 requiring full reinvestigation and deletion of unverifiable data. I included : A complete list of disputed accounts A demand for reinvestigation Notice of damage and legal intent Despite this, EWS has failed to respond at all. They have not acknowledged my submission, deleted the fraudulent entries, or sent any updated consumer file. 

EWS is now in violation of the following FCRA provisions : XXXX No block within XXXX business days XXXX No reinvestigation or written response within 30 days XXXX, XXXX Willful and negligent noncompliance As a result of XXXX inaction : I lost a {$480000.00} home purchase due to credit data reporting I suffered emotional distress and relocation hardship I received multiple adverse action letters EWS is obstructing my legal rights, ignoring federal deadlines, and failing to meet its duties under the FCRA and CFPB XXXX XXXX. 

I am requesting that the CFPB : Force EWS to permanently delete all data on file under FCRA 605C & 605B Confirm that a corrected, zero-entry consumer report is issued to me Investigate this systemic noncompliance Assess civil penalties and refer for enforcement if necessary

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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: PA

Complaint narrative:
I need your help reviewing accounts from these companies that have incorrectly flagged late payments on my credit report. After checking the report, I found several entries marked late that are not validthere should be no late payment remarks. Please remove these inaccurate entries and update the accounts to the agreed positive 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 2025-07-31 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: FL

Complaint narrative:
I am submitting this complaint regarding an issue with my credit report that is negatively affecting my financial standing. I have made multiple attempts to resolve this matter directly with the creditor/furnisher, but they have failed to provide an adequate response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Equifax Information Services XXXX XXXX information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX Address : XXXX XXXX XXXX XXXX TX XXXX ACCOUNTS : XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2024, Balance : {$5500.00} XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/2024, Balance : {$300.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX SSN : XXXX DOB : XX/XX/XXXX Date : XX/XX/XXXX To : Credence Resource Management , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, TX XXXX RE : FORMAL DISPUTE & DEMAND FOR VALIDATION OF ALLEGED ACCOUNT # XXXX {$1100.00} To Whom It May Concern, This letter serves as a formal dispute and demand for full legal validation of the above-referenced alleged debt. I, XXXX XXXX, do not acknowledge nor accept any liability for this account. You are hereby instructed to cease all collection activity and credit reporting until full and proper legal validation is provided. 

Under my rights granted by the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681, and the Uniform Commercial Code ( UCC ) 1-308 and 3-501, I demand the following documentation : A copy of the original signed contract with my XXXX signature A binding agreement showing my legal obligation to repay this alleged debt A complete flow sheet or account ledger detailing charges, payments, fees, and interest A full chain of assignment proving lawful transfer from the original creditor to your agency Documentation confirming that this account is not past the statute of limitations under Illinois law Proof of XXXX companys license to collect debts in Illinois, including license XXXX and regulatory authority The name, department, and method of verification used to report this item to any credit bureau A notarized XXXX XXXX a manual investigation was conducted per FCRA 611 and that no eOSCAR automated system was used Let it be absolutely clear : a billing statement, invoice, or summary does not qualify as legal validation. If you are unable to provide all of the above documentation within XXXX calendar days, you must : Delete this account from XXXX XXXX XXXX XXXX XXXXXXXX all collection communications and efforts permanently Failure to comply will result in formal complaints to the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and the Illinois Attorney XXXX XXXX, and I will pursue civil legal action for violations of FDCPA, FCRA, and XXXX. 

All rights reserved under UCC XXXX, without prejudice. 

Sincerely, XXXX XXXX XXXX : XXXX DOB : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: PINNACLE RECOVERY, INC.
State: CA

Complaint narrative:
This collection account was reported by XXXX XXXX XXXX without proper validation or authorization. I do not owe this debt to XXXX, have no contract with them, and was never notified by the original creditor XXXX XXXX, The XXXX ) that the debt was assigned or sold. 

I sent XXXX a certified Debt Validation Request on XX/XX/year>, as required under FDCPA 809. To date, they have failed to provide legal proof of ownership, an itemized breakdown of the amount owed, or a copy of any agreement authorizing them to collect. Instead, they uploaded and shared private financial documentsoriginally between me and XXXX my consent. This unauthorized access and disclosure raise serious concerns under FCRA and data protection laws. 

Despite this, XXXX continues to report this account to the credit bureaus, negatively impacting my XXXX XXXX and report. They are furnishing inaccurate and unverified information and have not marked the account as Disputed in accordance with XXXX XXXX reporting guidelines ( XXXX XXXX ). 

This dispute involves both unlawful collection practices and the furnishing of inaccurate and incomplete information to credit reporting agencies. I am requesting that this account be removed from my credit reports and that all collection activity cease until full legal validation is provided. 

I submitted official complaints regarding this matter to both the Better Business Bureau ( BBB ) and TransUnion on XX/XX/year>.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-31 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:
This complaint is being filed because Equifax is reporting XXXX hard inquiries on my credit report that I never approved or authorized : XXXX CARD ( XX/XX/year> ) and XXXX ( XX/XX/year> ). These credit pulls were made without my consent, and I never gave permission for these entities to access my credit information. This violates 15 U.S.C. 1681b of the Fair Credit Reporting Act, which requires a permissible purpose and written authorization before a consumer report can be accessed. 

I have already disputed these inquiries with Equifax and provided documentation confirming they were not initiated by me. Despite that, Equifax has failed to delete the inquiries or provide any proof of authorization. They have not complied with their obligation to conduct a proper reinvestigation or to provide documentation verifying the legitimacy of these inquiries. 

These unauthorized inquiries are lowering my credit score and violating my privacy. XXXX failure to remove them or provide any lawful justification constitutes a serious violation of the FCRA. Continued reporting without a legal basis may result in liability under 15 U.S.C. 1681n and 1681o. I am requesting immediate deletion of these inquiries and written confirmation, and I urge the CFPB to hold Equifax accountable for its failure to comply with the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I found a collection account from PNC Bank on my credit report that is nearly two years old, with a balance of approximately {$60.00} {$100.00}. I was never properly contacted, notified, or provided documentation about this debt. I believe this small and old account is unfairly lowering my credit score. 

I respectfully request that this collection be reviewed and considered for removal due to its age, low balance, and the lack of communication from the collection agency. I am open to resolving this matter directly with PNC if necessary.

Company response to consumer: Closed with explanation