vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-06 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX  XXXX  acct # XXXX, XXXX/XXXX  acct XXXX XXXX, XXXX  XXXX  acct # XXXX, XXXX  XXXX  acct # XXXX, XXXX  XXXX XXXX  XXXX  acct # XXXX, XXXX XXXX XXXX  acct # XXXX, XXXX  XXXX  XXXX DISMISSED acct # 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 2025-06-06 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: IL

Complaint narrative:
I have not supplied under the doctrine of estoppel by the silence of Engelhardt v Gravens ( mo ) 281 SW715,719, I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exists. ( please remove these accounts before I seek litigation for defamation of character ) XXXX  XXXX  acct # XXXX, XXXX/XXXX  acct XXXX XXXX, XXXX  XXXX  acct # XXXX, XXXX  XXXX  acct # XXXX, XXXX  XXXX XXXX  XXXX  acct # XXXX, XXXX XXXX XXXX  acct # XXXX, XXXX  XXXX  XXXX DISMISSED acct # XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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:
Under the FDCPA and FCRA, verification is not just a name matchit is a sworn affidavit or certified statement of truth. Per 15 U.S.C. 1681n, your continued reporting without proper verification is willful noncompliance.

I demand proof of delivery of the initial dunning letter within 14 days of placing this account on my credit report, including a certified mail tracking number. If you can not provide this, you must delete this tradeline immediately and cease all collection activity, including reporting. 

I never had an account with XXXX XXXX, and you are neither the original c

reditor nor a valid assignee. Debt buyers are not creditors under the law. This account is still within the federal debt validation window, per 1006.34. Failure to comply will result in further action to seek justice for the harm caused.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with 16 C.F.R. 660.2 ( a ), it is essential that my credit report contains accurate information. I kindly request that you perform a comprehensive investigation and remove the inquiries from my credit report as necessary. I have attached supporting documents for your consideration.

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 2025-06-06 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: TRANSWORLD SYSTEMS INC
State: NY

Complaint narrative:
they Suspended registration and had my car towed. and when I tried to get a validation letter they said. they don't have to provide me with. that information however under the permissible purpose. they should have followed these guide lines and I also believe that the debt my have been past the statue of limitation to collect on.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: RI

Complaint narrative:
It feels unjust that despite my consistent track record of on-time payments for this account, I find myself in this predicament. I urge you to rectify my account promptly to ensure its accurate representation.

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 2025-06-06 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:
I am continually being called on the telephone by this agency over an alleged debt. I am requesting validation of this debt. This account has been reporting inaccurately. I wanted to dispute this account because of this and it was affecting my credit report. I am having problems with this unfair treatment. I am sure that I settled this account before because it was not mine. This account was taken care of with the original creditor and promised me to update it out of my report. Therefore, this account is unverifiable. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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 sent your company a letter disputing the account number XXXX with XXXX XXXXXXXX XXXX on XX/XX/year>. I received a response from you dated XX/XX/year>, where you stated that the item has been deleted. Please see copy of both letters enclosed. 

After reviewing my credit report again, I have noticed that the item has been reinserted. It is my understanding that deleted items can not be reinserted unless the original providers of the information have verified that it was being reported correctly. Is that what has happened? If so, I am requesting all documentation proving the certification of accuracy. 

The Fair Credit Reporting Act also states that if for any reason a deleted item is reinserted into the credit file, the credit bureau is to notify the consumer in writing within 5 days of reinsertion. I do not recall receiving such notification, therefore you violated the FCRA. 

I am willing to give you more time to furnish this information to me before I pursue filing a complaint against your company for the above mentioned FCRA violation. Please forward to me : The name, address, and telephone number ( if available ) of the furnishers of the information confirming its accuracy. 
Documentation stating that the items have been reinserted and the date of reinsertion. 
Documentation stating that, as a consumer, I continue to have the right to add a status of disputed by consumer to the item. 
XXXX XXXX XXXX XXXXXXXX

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 2025-06-06 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: GA

Complaint narrative:
Hello, I talked with XXXX XXXX XXXX around XXXX Est time. I informed them that this account is not mine. I applied for apartment at XXXX, and Inever Moved in when I got to the place it was a lot of gang related activity going on and i decided to go pursue other options. I never got utilities, nordid I even stay there for one day. And you guys are welcome to call XXXX XXXX, and they will verify this story. please remove asap. The account withXXXX XXXX XXXX is also fraudulent I never took out a loan with them. I even stated that I had my XXXX XXXX XXXX case number ( XXXX ) Regarding these claims that was previously sent in please remove this accounts or I will pursue legal actions.

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 2025-06-06 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 recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account, which was in fact paid on time. Consumer reporting agencies must report all information with complete accuracy. This account has not been late on payments. Ive attached a copy of my report on this complaint on the following date, XX/XX/year>. I am now requesting that you investigate and provide verifiable proof with records showing that I had late payments. If this information can not be verified, I demand these updates to be paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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: Maximus Federal Services, Inc.
State: GA

Complaint narrative:
I am filing a formal complaint and dispute regarding inaccurate student loan account ( XXXX ) reported on my credit report by XXXX XXXX XXXX , totaling {$25000.00}. These accounts account for 91 % of the negative impact on my credit score and should be removed due to a verified federal data breach that occurred in XX/XX/year>, involving unauthorized access to my personal and loan information by individuals affiliated with the Department of Government Efficiency ( DOGE ), led by XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
The personal information on my credit report were outdated.

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 2025-06-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
My credit report shows a collection account reported by your agency. However, I was never properly notified of this alleged debt prior to its reporting. Furthermore, I do not believe this debt to be accurate or valid. Under the Fair Debt Collection Practices Act ( FDCPA ), I have the legal right to request and receive full validation of the debt, including detailed documentation proving that I am responsible for this obligation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: Credit Fresh Holdings Inc
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint against CreditFresh, a lender I believe is operating in a predatory and possibly unlawful manner. 

I reside in Texas, where the maximum interest rate allowed on consumer loans is 10 % per year unless otherwise agreed in writing. I took out a line of credit through CreditFresh, and based on the charges Ive incurred, the effective interest rate appears to be significantly higher potentially in excess of 200 % APR when considering billing cycle charges and fees. I have had the loan since XX/XX/year>. It was for {$1000.00}. I have paid {$670.00} to date and I still owe them {$830.00} Additionally : - The terms were confusing and not clearly disclosed in a way I could easily understand. 
- The repayment structure prioritizes fees over principal, making it very difficult to pay off the loan. 
- The product seems designed to trap borrowers in long-term debt with continuous fees. 
- I was not adequately informed of my right to opt out of arbitration, and I believe the arbitration clause is being used to avoid legal accountability. 

I believe this type of lending violates the spirit of Texas usury laws and places consumers like myself at risk of financial harm. 

I am requesting that your office investigate the lending practices of CreditFresh and determine whether their loan products comply with Texas laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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:
On XX/XX/year> I asked Equifax to validate a debt and include any and all information that ties me to the debt, I then advised that this debt was showing charged off on XX/XX/year>, however the debt is still actively updating a payment history every month, which is not possible. Please read the following statement : I filed a dispute on XX/XX/year> ; Dispute Confirmation # XXXX, and in less than 24 hours, I was advised that this debt had been validated. In accordance with the Fair credit reporting act, public law 91-506, Title VI section 611, subsection A-D, please provide the names and business addresses of each individual with whom you verified the above validation so that I may follow up. 
As stated in the original dispute, this account was charged off in XX/XX/year>, yet there is still a payment history being reported, and is updating repeatedly as a charge off each month. A charged off account should NOT include an active payment history. This inaccurate information falsely manipulates the statute of limitations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I, XXXX XXXX, XXXX submitting this complaint due to the continued inaccurate reporting of late payments on my credit report, despite my initial billing error dispute sent over 35 days ago. This complaint is submitted directly by me as a consumernot through any third party. 
I am exercising my rights under both the Fair Credit Billing Act ( FCBA ) and the Fair Credit Reporting Act ( FCRA ) to challenge inaccurate, incomplete, and unverifiable information in my consumer credit file.

Details of the Dispute I originally disputed the payment history on the accounts listed below, citing 15 U.S.C. 1666 ( b ), which addresses billing errors, including : Failure to accurately reflect a payment or credit issued ; Computational or accounting errors made by the creditor ; Failure to provide proper advance notice ( at least 21 days ) before assessing late fees or reporting a late payment. 
To date, I have not received any documentation substantiating the accuracy of the late payments reported. Under federal law, if the creditor can not verify the reported information with documentation, the tradeline must be corrected or deleted. 

Disputed Accounts XXXX. Late Payment ( Open ) Creditor : 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  and XXXX Violations The credit reporting agency and/or creditor may be in violation of : 15 U.S.C. 1681e ( b ) Failure to ensure maximum possible accuracy ; 15 U.S.C. 1681i ( a ) ( 1 ) Failure to reinvestigate disputed information ; 15 U.S.C. 1681i ( a ) ( 7 ) Failure to provide method of verification ; 15 U.S.C. 1666 ( b ) Mishandling of a proper billing error notice under the XXXX. 

Requested Actions and Relief I respectfully request that the Consumer Financial Protection Bureau assist in compelling the following : XXXX. A full reinvestigation of the disputed payment history ; XXXX. The method of verification, including : o Name and contact information of the individual/entity who verified the information ; o The specific documentation relied upon ; XXXX. Correction to the on-time payment of any payment history that can not be verified with valid supporting documentation. 

Regulatory Reporting In addition to this CFPB complaint, I am also submitting formal complaints to : The Better Business Bureau ( BBB ) The Georgia XXXX Attorney Generals Office Final Statement I expect a full resolution within the timeframe required by law under the FCRA. If this matter is not resolved lawfully and properly, I am fully prepared to pursue further legal remedies as provided under federal statutes. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-06 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 CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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. This fraudulent, inaccurate, and false information consists of XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

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 2025-06-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX ( XXXX ) XXXX Date : XX/XX/year> To : Equifax XXXX XXXXXXXX XXXX XXXX, GA XXXX Subject : FCRA Dispute Inaccurate Balance Reporting on Charged-Off Account Account in Dispute : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Dear Equifax, I am writing to formally dispute inaccurate and potentially misleading information appearing on my credit report under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

The item I am disputing is reported as follows : Creditor : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$8200.00} Status : Charged Off Account This charge-off account is reporting a balance, which raises serious concerns about the accuracy and completeness of the information. Under FCRA 1681s-2 ( a ), furnishers of information must ensure the data they provide is not misleading. If the account has been sold or transferred to a third-party collector, the original creditor should no longer report a balance, as this could result in double reporting and inaccurate representation of my outstanding obligations. 

If the debt has not been sold, I request verification of the balance amount and supporting documentation showing how the balance was calculated post-charge-off, including any interest or fees added after the charge-off date. If this can not be verified, the balance must be corrected to reflect a {$0.00} balance or removed entirely. 

Requested Action : Conduct a full investigation in accordance with FCRA 611.

Verify the accuracy of the balance and charge-off status with XXXX XXXX XXXX . 
Remove or update this entry if the balance is not legally enforceable or inaccurately reported. 
Provide me with written confirmation of the outcome of your investigation. 

This is a formal dispute. Please respond within 30 days as required by federal law. If this item is not corrected or removed, I am prepared to file complaints with the Consumer Financial Protection Bureau ( CFPB ) and the California Department of Financial Protection and Innovation, and pursue further remedies as allowed under the FCRA. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-06 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file, are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$75.00}

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 2025-06-06 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: CA

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate these reporting accounts as unverified information without providing any proof within the period allowed by law. The following accounts need to be investigated and corrected from erroneous reporting in my file, are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$75.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$75.00}

Company response to consumer: Closed with non-monetary relief