vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-21 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: CA

Complaint narrative:
I am writing to formally dispute one or more collection and charge-off accounts listed on my credit report. These accounts are either inaccurate, outdated, or unverifiable.

Despite my efforts to resolve this matterincluding submitting dispute requests and supporting documentsthe accounts remain on my credit file without proper verification or correction. In some cases, These negative entries are severely affecting my creditworthiness and were not handled in accordance with fair reporting practices. 
Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information on my credit report that is incorrect or can not be verified. I am requesting a complete reinvestigation into these accounts and removal of any entries that can not be substantiated with accurate documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc . 
regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc .

continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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 2025-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Tenaglia & Hunt, PA
State: NJ

Complaint narrative:
I am a victim of identity theft and have provided every required document to prove it. I submitted my Identity Theft Victim 's Complaint and Affidavit, FTC Identity Theft Report, FTC Fraud Report, a police report, sworn affidavit of Identity theft, and other supporting documentation directly to TENAGLIA HUNT, PA, who is suing me for a debt I do not owe and never authorized. I filed my answer with the court on XX/XX/year>, and later submitted a Motion to Vacate Default Judgment on XX/XX/year>, once I learned a judgment had been entered. That motion included all of the same identity theft evidence. Despite my full cooperation and timely responses, the law firm has ignored my identity theft claim and continues to pursue this matter. They have not acknowledged the documentation I submitted and did not provide proper debt validation under 15 U.S.C. 1692g. Ive called them multiple times seeking resolution, but no one answers or responds. This ongoing silence is not only stressful, its deeply unfair to someone who is trying to clear their name after being victimized. Under the Fair Credit Reporting Act, I have the right to block fraudulent information from my credit file ( 15 U.S.C. 1681c-2 ) and access all information being reported about me ( 15 U.S.C. 1681g ). Under the Fair Debt Collection Practices Act, I am entitled to dispute a debt and request validation, and debt collectors are required to cease collection activities after receiving proof of identity theft ( 15 U.S.C. 1692g, 1692e, 1692c ( c ) ). This situation is severely impacting my credit, my peace of mind, and my day-to-day life. Ive done everything right, followed every legal step, and still I feel ignored and helpless. Im asking the CFPB to intervene because I truly dont know what else to do. This is overwhelming and unfair, and it is exhausting to defend myself against something I didnt create. I am respectfully requesting that this matter be resolved by having the case dismissed before the court date, and that no further collection efforts continue. Ive submitted everything required to prove this debt is the result of identity theft, and I simply want to be treated fairly and for this ordeal to come to an end.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: TX

Complaint narrative:
Upon reviewing my credit files, I have discovered that XXXX XXXX is inaccurately and inconsistently reporting my account information across the XXXX major credit reporting agencies. The issues identified are as follows : XXXX : Showing on-time payments, except for XX/XX/XXXX and XX/XX/XXXX ( showing no reporting ), and reporting a XXXX late payment in XX/XX/XXXX. 

TransUnion and XXXX  : Showing no reporting of this account at all. 

Additionally, I have documentation showing a {$0.00} balance and that the vehicle associated with this account was returned in XXXX. It is completely inaccurate and unreasonable for the company to report any late payments on an account with a XXXX balance and a vehicle that was surrendered years ago. 

This reporting is highly damaging to my creditworthiness and my ability to obtain credit from lenders. Furthermore, it does not comply with the Fair Credit Reporting Act. Per 15 U.S. Code 1681e ( b ) : 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. 

Your current reporting does not reflect maximum possible accuracy. I am formally requesting that you immediately investigate this matter, remove any inaccurate late payment history, and ensure that all three credit bureaus reflect correct and consistent informationspecifically that the account was closed with a {$0.00} balance and returned in 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 2025-08-21 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: LA

Complaint narrative:
I am filing this complaint because my personal information was stolen in XX/XX/XXXX  and has been fraudulently used to open accounts in my name. I have no contractual agreement with the following companies, and these accounts are the direct result of identity theft. Despite this, they are being reported on my Equifax credit file : XXXX XXXX XXXX {$380.00}, Acct. # XXXX XXXX XXXX XXXX {$460.00}, Acct. # XXXX XXXX XXXX XXXX {$740.00}, Acct. # XXXX XXXX XXXX XXXX {$1500.00}, Acct. # XXXX These tradelines are fraudulent and must be deleted from my credit report within 4 business days of receipt of this complaint to comply with federal and state law. 

Violations of Federal Law : Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) requires furnishers to investigate and ensure only accurate information is reported.

Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692e prohibits false or misleading representations in debt collection.

FDCPA, 15 U.S.C. 1692c ( c ) requires debt collectors to cease collection after written notice, which I am demanding here.

Violations of Louisiana Law : La. R.S. 9:3527 prohibits legal collection of prescribed ( time-barred ) debts unless a new written agreement is signed, which has never occurred.

La. R.S. 9:3562 prohibits deceptive or misleading practices in consumer credit transactions.

Louisiana Unfair Trade Practices Act ( La. R.S. 51:1405 ) prohibits unfair or deceptive acts or practices in trade and commerce.

I have filed both an FTC Identity Theft Report and a police report, which are attached to this complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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:
THE ACCOUNTS LISTED DOES NOT RELATE TO ANY TRANSACTIONS DONE BY ME.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: GA

Complaint narrative:
I am submitting a complaint to formally dispute items on my credit report, specifically incorrect addresses that do not belong to me. I have reason to believe that my personal information has been used fraudulently, and I have filed a report with the Federal Trade Commission ( FTC ), which I have enclosed for your reference. 
XXXXXXXX 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

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

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

1681c2 ) that you, the Equifax 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 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  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 US 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: CBC Companies, Inc.
State: OH

Complaint narrative:
I am filing this complaint against XXXX, XXXX, XXXX, and Innovis for systemic violations of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., related CFPB rules, and controlling case law.

Despite multiple disputes and prior complaints, the CRAs continue to report unverified and fraudulent accounts allegedly tied to my name ( including, but not limited to, accounts furnished by XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX ). These accounts were previously disputed, yet the CRAs failed to conduct proper investigations as required by FCRA 611 ( a ) and instead relied on furnishers automated responses through XXXX ( parroting ), which courts have consistently held to be unlawful. 

Violations include : Failure to Conduct Reasonable Investigations By merely parroting furnishers, the CRAs violated : XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ( XXXX XXXX. XXXX ) XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX ( XXXXXXXX XXXX XXXXXXXX ) Failure to Provide Full File Disclosure ( FFRD ) Under FCRA 609 ( a ) ( 15 U.S.C. 1681g ), CRAs must disclose all information in my file, including internal codes, source data, and method of verification. Instead, they provided only standard consumer-facing reports. This is a direct violation of : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXXXXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX ( XXXX XXXX XXXX ) Failure to Provide Method of Verification CRAs failed to explain how disputed information was verified, violating FCRA 611 ( a ) ( 6 ) ( B ) ( iii ) and 611 ( a ) ( 7 ). 

Failure to Correct Known Errors The CRAs continue to report incorrect addresses ( e.g., XXXX XXXX XXXX, XXXX OH a post office ; XXXX XXXX XXXX, XXXX OH a police department ) which I never resided at. I have lived at XXXX XXXX XXXX, XXXX OH continuously since XXXX. Continuing to associate fraudulent addresses constitutes willful misreporting. 

Recent CFPB Enforcement Actions show a clear pattern of CRA misconduct : CFPB XXXX XXXX  ( XXXX ) fined for inadequate investigations and disclosures. 

CFPB v. XXXX  ( XXXX ) penalized for failure to provide full file disclosures and deceptive practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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:
Following the statutory requirement of USC 1681g, these entries must be corrected and removed within 15 days.

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 2025-08-21 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: MD

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-08-21 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: LA

Complaint narrative:
Experian and Equifax has failed to fulfill its legal obligation under the Fair Credit R Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian and Equifax, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. These failures align with my experience, where Experian and Equifax has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian and Equifax inaction violates federal law and my rights as a consumer.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
USC 1681g stipulates that these records, being erroneous, must be addressed and eliminated within 15 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: LA

Complaint narrative:
Experian has failed to grill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on number credit report, leaving inaccurate or unverifiable accounts unresolved. The CFPB has recent filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unreliable responses, and failing to adequately notify consumers of dispute outcomes. This account was taken off two times and re-inserted. These failures align with my Experience, where Experian has neither corrected nor removed disputed items despite the evidence I have provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend disputed accounts, as Experians inactions violates federal law and my rights as a consumer ACCORDING TO 605B THESE ACCOUNTS ARE NOT MINES SO PLEASE DELETE IN FOUR DAYS THANK YOU XXXX XXXX XXXX  Account # XXXX Opened? 
Amount : {$910.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: MO

Complaint narrative:
Sent in disputes to have fraudulent information removed from my credit file. This involves identity theft and these accounts do not belong to me.

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 2025-08-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
" I am filing this complaint because the creditor/debt collector has continued collection efforts despite my bankruptcy filing. This includes phone calls, letters, and reporting the debt to credit bureaus after the bankruptcy case was filed and/or discharged. Such actions violate the automatic stay and discharge injunction under bankruptcy law. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-21 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: NJ

Complaint narrative:
To Whom It May Concern, I am writing in response to a received on regarding an alleged debt Collection credit card you claim I owe. Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection credit card Practices Act, 15 U.S.C. 1692g. Pursuant to this law, I respectfully request that you provide the following information : 1. The name and address of the original creditor. 2. A detailed statement of the alleged debt, including the amount and how it was calculated. 3. A copy of the original signed debt collection agreement or contract. 4. Proof that you are legally authorized to collect this debt. 5. A full accounting of payments, interest, fees, and charges applied to the alleged balance. 6. A copy of the judgment ( if any ) or other documents proving your legal right to collect this debt. Until you provide proper validation, I am requesting that all collection activity cease, including any reporting to the credit bureaus. If this debt is being reported to any credit reporting agency, be advised that failure to validate may constitute a violation of the Fair Credit Reporting Act ( FCRA ), and I will take appropriate steps to dispute the entry. This letter is sent in good faith and for the purpose of resolving any errors or misidentifications. Please respond to this request within 30 days from your receipt of this letter. regarding an alleged debt you claim I owe. Please be advised that this is not a refusal to pay, but a request for validation under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. Pursuant to my rights under the FDCPA, I request that you provide the following information : 1. The name and address of the original creditor 2. The amount of the alleged debt, including a breakdown of all fees and interest 3. A copy of the original agreement or contract bearing my signature look the same on my Id 4. Proof that you are authorized to collect this debt 5. A complete payment history, starting with the original creditor While awaiting verification, please : * Cease all collection activities, including phone calls, letters, or reporting to credit bureaus. * Do not contact me at my place of employment. * Do not contact any third parties about this debt. If you can not provide the requested verification, you must stop all collection efforts and remove any related information from my credit reports. Please respond to this request in writing. I recommend all future communication be done via mail only. Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-21 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: FL

Complaint narrative:
I have submitted multiple formal dispute letters to Experian Information Solutions Inc. regarding inaccurate and unverifiable information on my credit report ( see attached copies ). Despite clear legal notice, Experian Information Solutions Inc. continues to willfully report inaccurate data in violation of FCRA 15 U.S.C. 1681e ( b ), 1681i, and FDCPA 1692e and 1692f. I have exhausted all attempts to resolve this matter directly with the credit bureau. I now request the CFPB to investigate and enforce 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