vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt. 
The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : INQUIRIES : 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 2025-07-29 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the Experian Credit Services , 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. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXXXXXX 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 explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have previously disputed Experian, Equifax and Transunion regarding multiple accounts that are inaccurate. As of today, I have not received any responses or proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They are non-compliant with the FCRA. These erroneous reports are badly hurting my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CashRepublic Holdings, Inc.
State: VA

Complaint narrative:
Omni Financi serviced a loan I allegedly received using XXXX XXXX during my XXXX XXXX status. I did not receive proper disclosure under the Military Lending Act, and I have no recollection of authorizing the debt. 

XXXX XXXX were used to deduct payments without verified consent, and I have never received a copy of a signed agreement, APR terms, or itemized breakdown. I have requested validation under FCRA 609, and they have failed to respond.

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 2025-07-29 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: MA

Complaint narrative:
I am disputing the reporting of an auto loan account by XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX. that is causing serious harm to my credit profile across multiple credit bureaus.

1. TransUnion is inaccurately showing the account as currently late despite it being closed with a charge-off status. A closed account can not be marked as currently delinquent under the Fair Credit Reporting Act ( FCRA ). 
XXXX. XXXX  is reporting the same XXXX account under XXXX different names ( XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX ) with different missed payment counts and payment histories. This is a form of duplicate reporting and contains inconsistencies across the account details.

3. These inaccuracies have been disputed multiple times with no resolution, and I have not received any documentation from XXXX verifying the debt. I believe this account is being reported in violation of FCRA Sections 623 and 611.

This account is severely impacting my ability to qualify for a mortgage as a single mother of XXXX, despite my efforts to improve my credit. I am requesting that the CFPB review this matter and request a complete verification from XXXX, and that any unverifiable or inaccurate data be removed from my credit reports immediately.

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 2025-07-29 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: MA

Complaint narrative:
I am disputing the reporting of an auto loan account by XXXXXXXX XXXX XXXX XXXX XXXX XXXX. that is causing serious harm to my credit profile across multiple credit bureaus. 
XXXX. XXXX  is inaccurately showing the account as currently late despite it being closed with a charge-off status. A closed account can not be marked as currently delinquent under the Fair Credit Reporting Act ( FCRA ). 
XXXX. Equifax is reporting the same XXXX account under XXXX different names ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX ) with different missed payment counts and payment histories. This is a form of duplicate reporting and contains inconsistencies across the account details.

3. These inaccuracies have been disputed multiple times with no resolution, and I have not received any documentation from XXXX verifying the debt. I believe this account is being reported in violation of FCRA Sections 623 and 611. 

This account is severely impacting my ability to qualify for a mortgage as a single mother of XXXX, despite my efforts to improve my credit. I am requesting that the CFPB review this matter and request a complete verification from XXXX, and that any unverifiable or inaccurate data be removed from my credit reports immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I AM FORMALLY REQUESTING THE IMMEDIATE REMOVAL OF THE FRAUDULENT ACCOUNTS CURRENTLY LISTED ON MY CREDIT REPORT. I DID NOT AUTHORIZE THESE ACCOUNTS, AND THEIR INCLUSION REPRESENTS A SERIOUS BREACH OF MY PERSONAL AND FINANCIAL SECURITY. THESE ENTRIES ARE FALSE AND INACCURATE, AND THEIR PRESENCE IS DAMAGING TO THE INTEGRITY OF MY CREDIT FILE. I URGE YOU TO TAKE IMMEDIATE CORRECTIVE ACTION BY PERMANENTLY DELETING THESE ACCOUNTS FROM MY REPORT TO ENSURE ITS ACCURACY, COMPLETENESS, AND COMPLIANCE WITH THE FAIR CREDIT REPORTING ACT ( FCRA ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$1000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX, Balance : {$0.00} INQUIRIES : 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 non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Global Trust Management LLC
State: TX

Complaint narrative:
This company GLOBAL TRUST MANAGEMENT LLC continues to call my employer after Ive repeatedly asked them to stop. They threatened to submit some account to collections. When I inquired about them sending me proof or paperwork of any agreement that I have with their company with my signature they hung up on me. I called back to make sure they removed my work number and the threatened to call someone that was listed as my parent and provide that person my personal information. This is violating my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NM

Complaint narrative:
I'm concerned about an unfamiliar inquiry on my credit report. I did not authorize, apply to, or consent to this company accessing my credit information. I am trying to understand how and why this happened, and it is causing me significant stress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to dispute the following inaccurate and unverifiable information on my credit report. I have attached copies of document and request letter to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
To Whom It May Concern, I am writing to formally dispute and demand the immediate removal of the following fraudulent accounts and inquiries from my credit report due to identity theft. These accounts were opened without my consent, and I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) to have these items promptly removed. 
I am also writing to formally notify you that I am a victim of identity theft and request the immediate blocking and deletion of all fraudulent accounts or information related to the identity theft, as authorized by 15 U.S.C. 1681c-2 ( a ). I became aware of the breach of my personal information through the Equifax data breach, which has exposed my sensitive data to unauthorized individuals. 
The following fraudulent accounts and inquiries have been identified as a result of this Breach : Account Name : XXXX Account Number : XXXXXXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$0.00} Hard Inquiry Inquiry Name : XXXXXXXX XXXX Date of Inquiry : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
This collection company has been stressing me out and has done unjustifiable practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon and I didn't sign an agreement on. A legal contract is signed by two parties and I did not participate in any of it. they didn't follow the proper 5-step validation procedure. According to the FDCPA, Im entitled to compensation for these violations and clearly, they violated my rights and abused my privileges. I demand this account be taken off immediately from mycreditreport. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX XXXX TransUnion 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 non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally requesting the elimination of this inaccurate account from my credit report. I did not provide consent for its creation or usage. Enclosed are the requisite documents to substantiate my assertion.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. Please help me to validate the misreporting on my credit report and remove the inaccurate information found in my credit file.

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 2025-07-29 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: TX

Complaint narrative:
b'I sent a certified letter to Equifax on XXXX  with tracking XXXX XXXX XXXX XXXX XXXX XXXX  it shows the delivery date of XXXX XXXX XXXX XXXX XXXX XXXX The letter stated they needed to promptly investigate the account and correct it or delete it. This included letters for accounts: XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXEquifax failed to respond. I sent another letter on XXXX  which they failed to respond once again.'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: Maximus Federal Services, Inc.
State: NC

Complaint narrative:
My personal and financial data was compromised Violating Ferpa.I request full cancellation of my Student loans

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: NV

Complaint narrative:
I am formally disputing multiple unauthorized inquiries listed on my credit report. These entries were made without my consent and have negatively impacted my credit standing and score. 

Despite previous contact with your agency and assurances that these inquiries would be removed, they remain. This lack of follow-through is unacceptable. 

These inquiries appear potentially fraudulent, raise serious concerns about identity theft, and are causing both financial and emotional distress.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: MRS BPO, LLC
State: MI

Complaint narrative:
I switched cell carriers from XXXX to XXXX at end of XXXX. XXXX sent me a full bill after I already switched carriers to which i disputed. The amount was around {$240.00} or so. I talked with XXXX customer service in XXXX of XXXX on a recorded call by XXXX. The Customer Service rep advised me to pay half the amount on that day via my credit card and XXXX would credit the other half and the matter would be resolved. Thus, I gave my credit card on the spot and XXXX hit the card and I thought the matter was closed. 

Shortly after they began sending me hounding texts and sent to collections. I received a notice in the mail from XXXX XXXX debt collector to which i responded in writing to dispute the collection. I have never heard back from them or XXXX. 

I tried calling XXXX but since I didn't have a cell number or account with them, their phone menu would not put me through to anyone to discuss the matter. 

Then XXXX sent the matter to MRS BPO who has been hounding me with texts that did not look legit. 

Next i've been trying to buy a new home and had contacted my bank for a preapproval letter only to find out my credit score has been destroyed due to this matter. It was XXXX and over XXXX for many years. Now it's XXXX or less causing me higher interest rates, XXXX  of XXXX  of dollars in more interest and/or the inability to buy a home. 

I researched MRS BPO contacted them and sent them an email per their recommendation on XX/XX/XXXX. 

I called MRS BPO yesterday to follow up and was told by their customer service they are no longer handling my case. I need to call XXXX directly at the number they gave me. I hung up and called XXXX only to receive their XXXX  automated system that told me my account has been turned over to MRS BPO and I need to call them. 

I would like to get this matter resolved asap and my credit restored asap as well. I have the supporting documents to the cited written notifications above. And, I've suggested that XXXX listen to my last recorded call with their customer service that provided the direction I followed to resolve this matter. 

All I can say is that XXXX has not worked in good faith to resolve this matter. Further, they have gone to great lengths to help destroy my credit, harm me and my family through misrepresentations to the credit agencies, significantly increase my future costs of living, and has subjected us to great XXXX and XXXX. I'm available to resolve this matter asap but do not know how to move things forward. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I disputed these XXXX XXXX accounts for due to them reporting inaccurately. Pursuant to 15 USC 1681g i have the right to dispute and receive verification of any claim appearing on my consumers report. 

I have requested the promissory note or master promissory note, the creditors chain of title or assignment documentation, original loan documents and documents bearing my signature. This bureau has failed to provide me any sort of documentation proving that this debt is mine or even reporting accurately. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$730.00}, opened : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Bal- {$2800.00}, opened : XX/XX/year>XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX {$780.00}, opened : XX/XX/year>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 2025-07-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kriya Capital, LLC
State: CA

Complaint narrative:
XX/XX/XXXX took action and debt was removed from credit. It reappeared XX/XX/XXXX this is not my debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: AZ

Complaint narrative:
Date - XX/XX/year>2025 Amount - {$130.00} Unpaid balance Charter Communication/ The CBE Group INCXXXX

Company response to consumer: Closed with non-monetary relief