vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-01 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: MA

Complaint narrative:
These falsely attributed accounts are not mine and must be removed within 15 days per USC 1681g.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: VA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you -- 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. 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 30 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 2025-09-01 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: CBC Companies, Inc.
State: LA

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX  Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS XXXX XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-01 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: GA

Complaint narrative:
XXXX XXXX  ( serviced by XXXX ) is reporting inaccurate and unlawful information across all three credit bureaus. The account has been re-aged, reinserted after deletion, and is being reported with conflicting balances and statuses, all without proper validation. These actions violate the Fair Credit Reporting Act ( FCRA ). 

Key Facts Re-Aging of Account TransUnion : Reported account updated on XX/XX/year> despite earlier deletion. 

Experian : Reported as Past Due as of XX/XX/year>. 

Equifax : Reported Past Due with an update date of XX/XX/year>. 

Each bureau is showing fresh updates as if this is a new delinquency, despite the account being old and previously disputed. 

Re-Insertion Without Proper Notice TransUnion previously provided notice that this XXXX XXXX  account had been deleted. 

Despite this, the account reappeared and was updated again in XX/XX/year>. 

No written notice of re-insertion was provided as required under 15 U.S.C. 1681i ( a ) ( 5 ) ( B ). 

Conflicting and Inconsistent Reporting Across Bureaus TransUnion, Experian, and Equifax all show different balances, dates, and statuses for the same account. 

These discrepancies make it impossible for me, lenders, or regulators to determine what is accurate. 

This is a textbook violation of 15 U.S.C. 1681e ( b ) ( failure to assure maximum possible accuracy ). 

No Validation or Verification I have disputed this account multiple times via certified mail. 

XXXX XXXX has not provided any validation of the debt. 

The bureaus continue to report it anyway, in violation of 15 U.S.C. 1681i. 

Violations of Federal Law FCRA 1681i Failure to reasonably investigate disputes.

FCRA 1681i ( a ) ( 5 ) Re-insertion without required notice.

FCRA 1681e ( b ) Failure to maintain reasonable procedures to ensure accuracy.

Harm Caused My credit score is being artificially suppressed by re-aged and reinserted reporting. 

I am unable to access fair credit and financing opportunities. 

The continued reporting has caused emotional stress, wasted time, and reputational damage. 

Supporting Evidence ( to attach/upload ) TransUnion deletion notice for XXXX XXXX  account . 

Screenshots showing TransUnion, Experian, and Equifax each reporting different statuses in XX/XX/year>. 

Certified mail receipts proving disputes sent. 

Copies of prior dispute letters to XXXX XXXX and to the bureaus.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: ENCORE CAPITAL GROUP INC.
State: DE

Complaint narrative:
I have 3 supposed debts that midland credit is trying to collect on ( which they filed a court case on ) Debt 1 XXXX  XXXX XXXX  XXXX ) amount XXXX XXXX proof of debt letters were sent XX/XX/XXXX XXXX and on XX/XX/XXXX which were certified and in the cease and desist it states no emails which they sent all through email Debt 2 XX/XX/XXXX XXXX XXXX  XXXX XXXX ) amount XXXX sent to proof of debt letters and never received it also second proof of debt was sent on XXXX XXXX which clearly states that I have sent a proof of debt which this is the second time and still no proof of debt sent Debt3 XXXX XXXX  ( XXXX ) amount XXXX which proof of debt was sent on XX/XX/XXXX which was never verified Everything was sent certified which I have all proof Then they did send it to a lawyer on got a email from XXXX XXXX I sent them email right back telling them that I have requested several times proof of debt which they didnt send and this should have not gone to them. Also midland were in violation on all these accounts because they kept emailing me after the first certified requesting proof of debt. I am awaiting on to be served I want this company to be held accountable for the violations they have done. I have all documents that was sent to midland and I have proof of what was sent to lawyer. The lawyer ended up sending me the to lower amounts documents but never sent the large one but the lawyer and midland are in violation

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-01 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: AR

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: IN

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX  Date : XX/XX/year>XXXX XXXX XXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> XXXX XXXX XXXXXXXX Date : XX/XX/year> XXXX XXXX Date : XX/XX/year> These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am writing to formally dispute the accuracy of the following account appearing on my credit report : Creditor : XXXXXXXX XXXX XXXX  XXXX Account Number : XXXX Account Type : Overdraft / XXXX  Checking Account Opened : XX/XX/year> Closed : Closed Balance Reported : {$85.00} Highest Balance : {$300.00} Status : Charged off as bad debt ( XX/XX/year> ) Last Payment Date : XX/XX/year> Comments : Profit and loss write-off This account is inaccurate and unverifiable. Specifically : 1. There is no payment history available to substantiate the debt. 
2. The balance is minimal ( {$85.00} ), and the account was reportedly a profit and loss write-off, indicating it should not be reported as a derogatory account. 
3. I do not recognize or owe this debt, and no supporting documentation has been provided to validate this account. 
Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, I request that this account be investigated and permanently removed from my credit report. Reporting unverifiable, inaccurate, or outdated information is a violation of the FCRA. 
Please provide written confirmation within 30 days that this account has been permanently removed from my credit report. 
Enclosed are copies of documents supporting my identity : Government-issued photo ID Proof of address I expect your prompt action to correct my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
On XX/XX/year>, I notified TransUnion that several accounts were being incorrectly reported and to provide with me with proof of why they are reporting what they are reporting, update the information, or delete the negative status on my accounts. No changes/updates were made. 
On XX/XX/year>, I requested proof of their investigation regarding the statuses of my below listed accounts. No such proof was remitted to me. 
On XX/XX/year>, I advised them that Under Section 15USC 1681i ( 7 ), credit reporting agencies, are obligated to provide a description of the investigation within 15 days of receiving a consumer dispute. 
On XX/XX/year>, I sent them a final letter stating that because a fair and reasonable investigation had not taken place, the accounts contained therein were in violation of 15 USC 1681e ( b ), which is in violation of the Fair Reporting Credit Act and requested they delete the aforementioned accounts from my credit report in accordance with 15 USC 1681i ( 5 ). 
Per my most recent TransUnion credit report dated : XX/XX/year>, all disputed information still remains on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: MS

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my Experian, XXXX XXXX XXXX  credit report on XX/XX/year> and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-01 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: Wolf River Development Company
State: CA

Complaint narrative:
My personal info was sent to the wrong employer that I have never worked for that is confidential and now multiple people know my personal situation and violated my rights and privacy

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-01 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-09-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Resurgent Capital Services L.P.
State: OH

Complaint narrative:
To Whom It May Concern : I am writing to formally demand that you cease and desist all communication with me regarding the alleged debt you claim I owe. I have been subjected to repeated and unwanted contact by your company, which constitutes harassment and a violation of my rights under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692c ( c ).

This letter serves as written notice that I request you immediately stop all communication with me, including but not limited to phone calls, text messages, emails, and mailed notices. You are further instructed not to contact my family members, employer, or any third parties in relation to this matter.

Under the FDCPA, once you receive this notice, you may only contact me to confirm that you will cease communication, or to inform me of specific legal action you intend to take.

Please be advised that failure to comply with this request may result in a formal complaint being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and/or the Office of the Attorney General in my state. I also reserve the right to pursue all available legal remedies, including seeking damages for any continued harassment.

I expect written confirmation that you have received and honored this cease and desist request within 10 days of receipt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-01 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: MA

Complaint narrative:
These illegitimate accounts should be removed within 15 days, as required by USC 1681g.

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