vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-18 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: NY

Complaint narrative:
Formal Dispute Discover Credit Account Account Number : XXXX Reported by : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am formally disputing the reporting of the above-referenced account by XXXX, as reflected in my Experian credit report, due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and industry-standard Metro 2 reporting guidelines .

Errors Identified : 1. Charged Off with Active Past Due Amount ( {$3600.00} ) : The account is reported as Charged Off, which by definition means the creditor has written off the debt and ceased collection efforts. However, it also reflects a XXXX XXXX XXXX  of {$3600.00}, which is not permitted under Metro 2 standards.

Once an account is charged off, it should no longer report as actively delinquent or accruing past-due balances.

Continuing to do so creates misleading and harmful reporting, in violation of FCRA Section 1681s-2 ( a ) ( 1 ) ( A ), which requires all information furnished to consumer reporting agencies to be complete and
accurate.

2. Account Closed but Still Updated Negatively in XXXX : The account was closed, with the last payment date being XX/XX/XXXX, yet it was updated again in XX/XX/XXXX, even though there is no indication of collection efforts or sale of the debt. 
This practice of continued negative updating after charge-off falsely extends the delinquency, impacting my creditworthiness unfairly and violating FCRA 15 U.S.C. 1681i ( a ).

3. Lack of Clarity or Verification : The Company Sold field is blank, no comments or collection notes are present, and yet the balance and delinquency persist. 
This makes it impossible to validate the legitimacy of continued reporting, and places the burden of proof on the consumercontrary to FCRA regulations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Formal Dispute Discover Credit Account Account Number : XXXX Reported by : Experian XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX I am formally disputing the reporting of the above-referenced account by XXXX, as reflected in my Experian credit report, due to multiple violations of the Fair Credit Reporting Act ( FCRA ) and industry-standard Metro 2 reporting guidelines .

Errors Identified : 1. Charged Off with Active Past Due Amount ( {$3600.00} ) : The account is reported as Charged Off, which by definition means the creditor has written off the debt and ceased collection efforts. However, it also reflects a XXXX XXXX XXXX  of {$3600.00}, which is not permitted under Metro 2 standards.

Once an account is charged off, it should no longer report as actively delinquent or accruing past-due balances.

Continuing to do so creates misleading and harmful reporting, in violation of FCRA Section 1681s-2 ( a ) ( 1 ) ( A ), which requires all information furnished to consumer reporting agencies to be complete and
accurate.

2. Account Closed but Still Updated Negatively in XXXX : The account was closed, with the last payment date being XX/XX/XXXX, yet it was updated again in XX/XX/XXXX, even though there is no indication of collection efforts or sale of the debt. 
This practice of continued negative updating after charge-off falsely extends the delinquency, impacting my creditworthiness unfairly and violating FCRA 15 U.S.C. 1681i ( a ).

3. Lack of Clarity or Verification : The Company Sold field is blank, no comments or collection notes are present, and yet the balance and delinquency persist. 
This makes it impossible to validate the legitimacy of continued reporting, and places the burden of proof on the consumercontrary to FCRA regulations.

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 2025-05-18 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: SD

Complaint narrative:
Dear CFPB Representatives, I am writing to formally request a second reinvestigation regarding the account reported by XXXX XXXX XXXX, Account Number XXXX, which continues to appear on my credit report despite a previous dispute. 

I do not agree with the outcome of the initial investigation, as I believe the information being reported is inaccurate and damaging to my credit history. Therefore, I am requesting a thorough and impartial reinvestigation in accordance with the Fair Credit Reporting Act ( FCRA ), Public Law 91-508, Title VI, Section 611 ( 15 U.S. Code 1681i ), subsections ( a ) through ( d ), which grants consumers the right to dispute inaccurate information and receive the results of such an investigation.

In compliance with the cited law, I am formally requesting that you provide a detailed explanation of the verification method used during the initial investigation, including : The names and business addresses of all entities or individuals with whom the account information was verified. 
Copies of any documents, communications, records, or files used to validate the accuracy of this account in my credit file. 
An updated copy of my credit report once this reinvestigation is complete. 

If a satisfactory response and the requested information are not provided, and if the account can not be fully verified as accurate, I am demanding that the account XXXX reported by XXXX XXXX XXXX be permanently deleted from all of my credit reports, as required under Section 611 of the FCRA. 

Thank you for your attention to this matter. I look forward to receiving a formal written response within the time frame required by 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 2025-05-18 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:
Dear Credit Bureau, I am writing to formally dispute a number of unauthorized and unverified hard inquiries that appear on my credit report with your agency. Under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681b ( c ) and 15 U.S. Code 1681n, I am entitled to protection from unauthorized use or access to my personal credit file without my explicit written consent.I have not applied for credit, authorized, or initiated any business with the companies listed below. Therefore, these inquiries are unverified and without permissible purpose under federal law.Experian Inquiries to Remove : - 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 XXXXI am demanding immediate removal of these inquiries from my credit file. These financial institutions did not have my permission to access my credit, nor do I have any existing relationship or account with them under 15 U.S.C. 1693a ( 2 ) .This unauthorized access to my private credit information is not only a breach of my consumer rights but may also constitute a criminal offense under 18 U.S. Code 1028A Aggravated Identity Theft.Please conduct an immediate investigation and confirm deletion of these inquiries within 30 days, as required by federal law. Also, please send me written confirmation when this matter is resolved.Enclosed are copies of my government-issued ID and proof of address for verification purposes.Thank you for your prompt attention to this serious matter.

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 2025-05-18 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:
FORMAL LEGAL NOTICE OF INTENT TO SUE FOR VIOLATION OF FCRA XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, FL, XXXX, XXXX, XX/XX/XXXX, XXXX ( BEREAU NAME AND ADDRESS ).

INTENT TO SUE FOR NON-COMPLIANCE WITH FCRA 605B ( 15 U.S.C. 1681C-2 ) DEAR ( BEREAU ), I AM WRITING TO FORMALLY NOTIFY YOU OF MY INTENT TO PURSUE LEGAL ACTION FOR YOUR FAILURE TO COMPLY WITH THE FAIR CREDIT REPORTING ACT ( FCRA ) 605B, WHICH MANDATES THAT YOU BLOCK INFORMATION RESULTING FROM IDENTITY THEFT FROM MY CREDIT REPORT WITHIN FOUR BUSINESS DAYS UPON RECEIPT OF THE RELEVANT DOCUMENTATION. FRAUDULENT ACCOUNTS IN QUESTION : XXXX ACCOUNT NUMBEXXXX XXXXXXXX, AMOUNT : {$1000.00}, DATE OPENED : XX/XX/XXXXXXXX XXXX, ACCOUNT NUMBER XXXX, AMOUNT : {$1000.00}, DATE OPENED : XX/XX/XXXX, INCORRECT ADDRESSES : XXXX XXXX, XXXX, FL XXXX, FRAUDULENT INQUIRES : XXXXXXXX XXXX XXXX, DATE : XX/XX/XXXX, XXXX XXXX NA, DATE : XX/XX/XXXX, INCORRECT EMPLOYER : XXXX, XXXXXXXX XXXX XXXX THESE ACCOUNTS, ALONG WITH UNAUTHORIZED HARD INQUIRIES, FRADULENT COLLECTIONS, ADDRESSES, AND NAMES, HAVE BEEN FLAGGED AS IDENTITY THEFT. ENCLOSED IS A FEDERAL TRADE COMMISSION IDENTITY THEFT CRIMINAL COMPLAINT, SUBSTANTIATING THE FRAUDULENT NATURE OF THESE ACCOUNTS. YOUR CONTINUED FAILURE TO BLOCK ALL DISPUTED ACCOUNTS, COLLECTIONS, INQUIRIES, ADDRESSES, AND NAMES WITHIN THE NEXT FOUR BUSINESS DAYS, IN STRICT ADHERENCE TO THE FCRA. FURTHERMORE, I SEEK A DETAILED EXPLANATION REGARDING YOUR VERIFICATION PROCESS, PARTICULARLY HOW IT FAILED TO ADDRESS AND CORRECT THESE INACCURACIES IN MY CREDIT REPORT, RESULTING IN HARMFUL RAMIFICATIONS TO MY CREDITWORTHINESS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXXSOCIAL SECURITY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Urgent Request for Removal of Fraudulent Accounts Within 7 Days\n\nTo Whom It May Concern,\n\nI am writing to urgently dispute fraudulent accounts that have been wrongfully reported on my Innovis credit file. These accounts were opened without my knowledge or authorization and are the result of identity theft.\n\nThe following accounts are fraudulent and must be removed from my credit report immediatelyXXXX 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 XXXXInclude additional accounts as needed)\n\nI am formally requesting that these accounts be removed from my report within 7 days of receipt of this letter, due to the serious and damaging impact they are having on my credit standing and personal security.\n\nI have enclosed copies of the following documents to support my claim:\n\t\tA copy of my government-issued identification\n\t\tProof of my current address\n\t\tA copy of the police report and/or identity theft affidavit\n\t\tAny relevant documentation proving the accounts are fraudulent\n\nPlease confirm in writing that these accounts have been deleted from my file. If I do not receive a response within 7 days, I will escalate the matter to the Consumer Financial Protection Bureau (CFPB) and other relevant authorities.\n\nThank you for your prompt attention to this urgent matter.\n\nSincerely,XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: MO

Complaint narrative:
I see many violations on my consumer report even though I have complained many times before thus complaint. My report violates many provisions within 15 USC 1681. I don't not give consent to report adversely on my consumer report. My consumer report violates the Privacy Act of 1974 by having my personal private information giving out publicly without my written consent. 15 U.S. Code 1681b - " Permissible purposes of consumer reports '' is being violated by your company consumer report on my consumer due to never receiving written consent. 15 U.S. Code 1681c - " Requirements relating to information contained in consumer reports '' is being violated due to adverse items on report including inquires also. 15 U.S. Code 1681a - " Definitions ; rules of construction '' is being violated against due to having reports containing information solely as to transactions or experiences between the consumer and the person making the report. I do not give consent for my transaction and experiences I am having with corporations to be shown on my consumer report. I would like it to just show " updated/paid as agreed ''. 15 USC 1666b is being violated due to listing payments as late under open ended consumer credit plans. 20 U.S. Code 1232g - " Family educational and privacy rights '' is being violated by even reporting any school/educational history on my consumer report. 15 U.S. Code 1681e - " Compliance procedures '' is being violated due to many inaccurate reporting 's on my consumer report. Your company can be held accountable under 15 U.S. Code 1681n - " Civil liability for willful noncompliance '' and 15 U.S. Code 1681o - " Civil liability for negligent noncompliance '' due to the many violations being committed and the continuing of violations being committed even after consumer has given notice on many documented occasions. Attached will be my COMMON LAW COPYRIGHT NOTICE and also, a UCC 1 & 3/Financing Statement/Lien on the consumer XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: AZ

Complaint narrative:
I received a debt collection notice from Credence Resource Management for a medical bill related to ambulance services. On XX/XX/year>, I submitted a written dispute and request for verification under the Fair Debt Collection Practices Act ( FDCPA ), specifically 15 U.S. Code 1692g. 

On XX/XX/XXXX, Credence responded by stating they could not provide information without a power of attorney or executorshipdespite the fact that I am the consumer named on the account. I clarified my identity and reaffirmed my legal rights. 

On XX/XX/XXXX, Credence responded again stating they were " unable to verify the dispute based on the information provided '' and asked me to provide details about the specific charges I was disputing. This is improper under the FDCPA, which requires the debt collectornot the consumerto provide verification of the debt once a written dispute is received. 

As of today, Credence has not provided the required documentation and continues to hold the account open, despite failing to validate the debt. Their behavior reflects a pattern of stalling, misrepresentation of legal responsibilities, and noncompliance with federal consumer protection laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-18 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: Experian Information Solutions Inc.
State: UT

Complaint narrative:
THIS ITEM HAS REACHED ITS EXPIRATION AND SHOULD BE REMOVED. PLEASE SEE BOTH ATTACHMENTS. EXPERIAN SHOWS IT HAS EXPIRED AS OF THIS MONTH. THAT'S ONE THING I LIKE ABOUT EXPERIAN 'S REPORTS IS THEY ALL SHOW EXPIRATION DATES FOR EVEY PIECE OF CREDIT YOU HAVE. SOME TIMES THEY DO SLIP UP AND DON'T SHOW DATES AS THEY SHOULD BUT IT'S NOT OFTEN. SO I RELY ON THE REPORTS WHEN THEY SEND THEM TO SHOW THE EXPIRATION DATES IN ORDER TO TRACK WHEN THEY WILL FALL OF OF MY CREDIT. 

EQUIFAX : I WILL NOT TOLERATE RECEIVING LETTERS FROM YOU DEMANDING I SEND MORE IDENTIFICATION. I WILL REFUSE AND TURN THE LETTERS ALONG WITH THE FULL DISPUTE SENT TO YOU TO THE FEDERAL TRADE COMMISSION EACH TIME YOU SEND A LETTER TO AVOID HANDLING A DISPUTE PER FCRA LAWS.

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 2025-05-18 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: GA

Complaint narrative:
I have submitted multiple disputes to the credit reporting agencies in accordance with the Fair Credit Reporting Act ( FCRA ), both by certified mail and email. Despite these formal notices, the agencies continue to report inaccurate information that has been automatically verified using artificial intelligence with no human review and no validation of an original contract. 

No original agreement has ever been provided, because it does not exist. This alone renders the account unverifiable under federal law. Repeatedly verifying unverifiable data constitutes a * * clear and willful violation of the FCRA, specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) : Failure to reasonably reinvestigate disputed information within the required timeframe.

15 U.S.C. 1681e ( b ) : Failure to follow reasonable procedures to ensure maximum possible accuracy.

15 U.S.C. 1681n : Willful noncompliance, which entitles consumers to statutory and punitive damages.

15 U.S.C. 1681s-2 ( b ) : Failure of furnishers to investigate and correct or delete inaccurate data. 

The refusal to remove false and unverifiable accounts after receiving proper notice indicates intentional misconduct. This goes beyond negligencethis is systemic, willful noncompliance. Furthermore, given the absence of an original debt instrument and the likelihood that these accounts were sold, securitized, or assigned to third parties, continued reporting may also constitute fraudulent misrepresentationand identity theft. 

The U.S. Supreme Court in XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX ) XXXX XXXX, affirmed that even intangible harmslike the dissemination of false informationqualify as concrete injuries under Article III. This ruling empowers consumers to take legal action when false credit data causes harm, which in my case includes not only reputational damage but emotional and psychological distress. 

I demand immediate deletion of all unverifiable information and a permanent correction of my consumer report. If this issue is not resolved promptly, I will escalate the matter by filing formal complaints with the CFPB, FTC, and State Attorney Generals Office, and I will pursue all legal remedies available under the law, including a civil claim for damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-18 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: MI

Complaint narrative:
I HAVE BEEN AFFECTED BY THE XXXX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT. 

Account Name : XXXX XXXX XXXX # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXXXXXX XXXX XXXX XXXXXXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX # XXXX * * * * - Date Opened XX/XX/XXXX Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened XX/XX/XXXX UNAUTHORIZED INQUIRIES XXXX 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 2025-05-18 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:
My credit monitoring software alerted me that there were multiple inquiries made to my Experian credit profile. I did not authorize these inquiries. Please remove these ASAP. 

These are the inquiries that I didnt authorize. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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