vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSWORLD SYSTEMS INC
State: TN

Complaint narrative:
This is the third time that I am having to complete a CFPB request due to an individual illegally and fraudulently using my SSN to obtain a rental property. The XXXX XXXX  woman named XXXX XXXX with a dob of XX/XX/XXXX is illegally using my SSN. I am a XXXX female with a different dob. I have excellent credit and have never paid a bill late. This has previously happened with XXXX XXXX XXXX and with XXXX XXXX XXXX XXXX. I had to fill out an identity theft fraud packet and mail that back to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to validate the debt and when the packet was sent to me the woman in the drivers license photo was XXXX XXXX. I am white. She lives in Texas and I have been a home owner with a mortgage in TN for the last XXXX and a half years. With the incriminating evidence displayed against this woman this was taken off of my credit report as it should be. I just got this previous issue taken care of and now my credit is showing a new collection with XXXX at XXXX and with Transworkd System , Inc in the amount of {$340.00} for a rental application fee that was made on XX/XX/XXXX. This is the same time that this previous issue had happened with another rental property. This is not my debt and my SSN has been used fraudulently. When speaking with a representative from Transworld Systems , Inc the lady told me that the woman in the drivers license photo that she had was XXXXXXXX XXXX and a dob of XX/XX/XXXXXXXX So this is the same woman from the previous apartment complex who used my SSN fraudulently. I am white and from TN. How she got it I have no idea but this is ridiculous. I have filed another complaint with the FTC and am completing this request now with the CFPB. this needs to be taken off of my credit report ASAP. This has been incorrectly placed on the wrong person again. This is mentally exhausting and draining to continually have to go through this. If you will look at previous complaints that I have filed through CFPB about XXXX XXXX XXXX XXXX and XXXXXXXX XXXX XXXX you will see that this co aligns with the same issue. Proof of my identity and this womans was submitted in my last CFPB complaint that will clear this up and should be removed ASAP from my credit report. I have an identity theft alert on my credit and freezes in pace to prevent all of this. i have also pressed felony charges against this woman in Texas as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: CT

Complaint narrative:
I did not authorize the use of my identity in any manner related to the inaccurate accounts or activities that have appeared in my name. My information was verified as part of the Equifax and XXXX  data breaches, which exposed sensitive personal data to unauthorized parties. 

FRAUDULENT ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: URS Holding, LLC
State: NC

Complaint narrative:
XXXX XXXX sent me an electronic communication in regards to a claim with them at XXXX XXXX. I contacted them at XXXX EST via telephone & informed them that at the moment I would be unable to handle the matter. They then continued to harass my family members by sending them the same text communications that I had previously applied to which had the information needed to be able to discover what debt they ( XXXX XXXX ) was attempting to collect.

Company response to consumer: Untimely response
Consumer complaint received 2025-11-26 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U. S. CXX/XX/XXXXe XXXX ) says ( XXXX ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. CXX/XX/XXXXe XXXX ( XXXX ) and 15 U.S. CXX/XX/XXXXe XXXX. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. CXX/XX/XXXXe XX/XX/XXXXXXXX, which allows for {$1000.00} per violation, for account listed without my expressed written 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 explanation
Consumer complaint received 2025-11-26 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: SC

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

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 2025-11-26 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:
I am submitting this complaint because Experian is reporting inaccurate and incomplete information on my credit file. I am requesting a full reinvestigation and correction under the Fair Credit Reporting Act. 

XXXX. Charged-Off / Collection Accounts Reporting Inaccurately The following accounts appear with incorrect balances, dates, or status information. I dispute the accuracy of these entries and request proper verification or removal : CHILD SUPPORT Acct : XXXX Reported since XX/XX/XXXX Balance : {$11000.00} XXXX XXXXXXXX BANK Acct : XXXX Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX Acct : XXXX Opened : XX/XX/XXXX Balance : {$9500.00} XXXX XXXX  Acct : XXXX Opened : XX/XX/XXXX Balance : {$1200.00} XXXX XXXX XXXX Acct XXXX XXXX Opened : XX/XX/XXXX Balance : {$0.00} Some of these balances, dates, and statuses appear inconsistent with other bureaus. I request that Experian verify all information with the furnishers and correct or delete anything that can not be fully validated. 

XXXX. Hard Inquiries Experian is not currently showing any hard inquiries. If Experian is reporting inquiries not listed here, I request verification of permissible purpose.

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 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: ENCORE CAPITAL GROUP INC.
State: FL

Complaint narrative:
I am filing a complaint regarding several collection accounts being reported by multiple debt collection agencies. The information being reported is inaccurate, unverified, and has not been properly validated despite my disputes. 

1. Midland Credit Management This company is reporting a balance of {$630.00} related to an account they claim opened in XX/XX/XXXX. I disputed this account, but they have not provided any documentation showing I owe the debt or how the balance was calculated. They continue reporting it without validation. 

2. XXXX XXXX XXXX This company is reporting a balance of {$470.00} from an account opened in XX/XX/XXXX. The credit report states dispute resolvedsubscriber disagrees, but I never received any validation or investigation results. The account continues to be reported inaccurately. 

3. XXXX XXXX XXXX XXXX XXXX XXXX This company is reporting a balance of {$410.00} from an account opened in XX/XX/XXXX. I previously disputed the account, but they have not provided any documentation supporting the debt. The account remains marked as unpaid. 

4. XXXX XXXX XXXX XXXX XXXX XXXX ) This company is reporting an unpaid cable/cellular account with a first delinquency date of XX/XX/XXXX. I have not received any validation or explanation of charges despite disputes. They continue updating the reporting as unpaid. 

5. XXXX XXXX XXXX XXXX XXXX XXXX University ) This company is reporting a balance of {$3600.00} with a first delinquency date of XX/XX/XXXX. I disputed the account because I never received billing records or documentation showing how the balance was calculated or whether it is valid. They have not responded with any information. 

Across all these accounts : None of the companies have provided debt validation or supporting documentation. 

Accounts continue to be reported as unpaid or verified, despite no investigation results. 

Some accounts show dispute resolved, but no explanation or documents were ever sent to me. 

The information appears inaccurate, incomplete, and unverified. 

I am requesting that each company : Provide complete debt validation and supporting documentation, or Remove the accounts from my credit reports if they can not validate them. 

I am also requesting a review of these accounts for FCRA and FDCPA compliance, as they appear to be reporting and collecting on unverified or inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
Please allow me to introduce myself ; I am XXXX XXXX XXXX XXXX XXXX, around the month of XXXX of XXXX I co-signed with my son XXXX XXXX on a vehicle loan through XXXX and purchased XXXX XXXX XXXX from a dealer in XXXX Texas. My son who currently lives in the XXXX area is a health care professional and went through some financial hardship due to an unfortunate job situation, he missed couple months on his car payments. 
Around the month of XXXX or XXXX of XXXX, a repossession agent came to my resident to repossess the vehicle. The individual behaved in a very rude and unprofessional manner. He rang my doorbell repeatedly, then began knocking extremely loudly and aggressively. When I answered, he addressed me in an unfriendly and hostile tone and demanded the vehicle in a way that felt threatening. 

His behavior caused me extreme fear and distress. I was shaking, tears in my eyes, and unable to speak clearly due to the stress of the situation. I must emphasize that I am a XXXX XXXX survivor, and the way this encounter was handled placed me under serious emotional and physical strain. I am reporting this because I believe the conduct was inappropriate, and potentially harmful to my health. 
XXXX authorized repossession of the vehicle around the month of XXXX of the current year without notice, the vehicle was towed from his residential garage and taken to junk place by a repossession contractor ( XXXX XXXX ) who refused to provide the exact location. After many difficulties, my son eventually located the vehicle in a yard in the middle of nowhere, without any signs or clear business location billboard, where the lot attendants were hostile and threatening. He paid nearly {$4000.00} to make up the missing payments and then was asked to pay more money ( {$480.00} ) because they decided to make unnecessary spare keys and was told by the crew to show up at XXXXXX/XX/XXXX of that day and if his is late XXXX XX/XX/XXXX the vehicle will belong to the junk yard. These demands were made directly by storage facility, accompanied by threats and intimidation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: AL

Complaint narrative:
Please remove the inaccurates accounts from my credit report, as outlined in the attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: CO

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain accounts and inquiries on my credit report. The accounts listed below are inaccurate, incomplete, or unverifiable, and I request that they be thoroughly investigated and corrected. Below is the detailed information on each account and inquiry by bureau : CHARGED XXXX XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$1000.00} CREDIT COLL Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$440.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX  Date : XX/XX/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 2025-11-26 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: SC

Complaint narrative:
I have contacted equifax about these inquiries that are on my credit report. I did not authorize any of these companies to pull my credit nor do I have any affiliation with them. The list of all inquiries were done fraudulently. 
1. Date XX/XX/XXXX Company XXXX XXXX Address XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 2, XXXX, GA XXXX XXXX. Date XX/XX/XXXX Company XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, UT XXXX 3. Date XX/XX/XXXX Company XXXX  Address XXXX  XXXX XXXX XXXX. XXXX, OH XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-26 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: GA

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

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 2025-11-26 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
I am formally disputing the collection accounts currently being reported in my credit file. These accounts are inaccurate, unverifiable, and incomplete. Their continued reporting violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. XXXX et seq., as well as the protections enforced by the Consumer Financial Protection Bureau ( CFPB ). 
Accounts in Dispute : LVNV FUNDING LLC Date Opened : XX/XX/year>2025 Amount Reported : {$160.00} Legal Grounds for My Dispute : XXXX FCRA XXXX ( a ) ( XXXX ) ( A ) : You are required to conduct a reasonable reinvestigation within XX/XX/XXXX days of receipt of this dispute. If the furnisher of the account can not provide verified documentation, you must delete the account. 
XXXX FCRA XXXX ( b ) : You must ensure all information reported is accurate and complete. Any collection account with unverifiable data, inconsistent reporting, or lack of original creditor validation fails this requirement. 
XXXX FCRA XXXX ( a ) ( XXXX ) ( A ) : If disputed information can not be verified, you are legally required to promptly delete it from my file. 
XXXX CFPB Authority ( XXXX XXXX. XXXX ) : The CFPB prohibits unfair, deceptive, or abusive acts or practices in the collection and reporting of consumer credit. Continuing to report unverified or inaccurate collection accounts is a violation of this standard. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-26 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: OH

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-11-26 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: CA

Complaint narrative:
1. XXXX XXXX XX/XX/year> XXXX. XXXXXXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-26 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: NC

Complaint narrative:
I am a consumer working to improve my credit and am disputing the following accounts with the credit bureaus. These accounts have inaccurate or incomplete information, and I am requesting that the credit bureaus review and correct the entries according to the Fair Credit Reporting Act ( FCRA ). 

Charged Off : XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} XXXX XXXX XXXX Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$780.00} Bankruptcy Account Number : XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Inquiries : XXXX  Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payment : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : 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 2025-11-26 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
There are collection accounts on my report that I believe contain inaccurate information. Under my rights pursuant to 15 USC 1681e ( b ) and 15 USC 1681i, I am entitled to an accurate credit report. I request a review of these entries, and if they can not be verified as accurate, I ask that they be removed.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation