vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-11 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: NV

Complaint narrative:
I am writing to formally dispute the accuracy of the following item ( s ) on my credit report. This notice is submitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires your agency to conduct a reasonable reinvestigation of any disputed information within 30 days. 

The item ( s ) I am disputing is/are as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 1681i, it is illegal to place inaccurate information on my credit report without my permission. Please remove these inaccurate accounts from my file immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: HI

Complaint narrative:
I am filing this complaint to address ongoing violations by Resurgent Capital Services L.P. regarding a disputed debt ( Account # XXXX ), originally with XXXX and now claimed to be owned by LVNV Funding LLC. This complaint follows two prior CFPB inquiries from XXXX and XX/XX/XXXX, to which Resurgent responded inadequately, and a new issue with their continued collection efforts despite credit bureau removals. 
Summary of Issue : I disputed this debt via a validation request ( XX/XX/XXXX ) and a notarized challenge letter ( XX/XX/XXXX ), citing : Lack of proof of mailing their initial validation to my designated address. 
Validation not sent to my designated address. 
A blank/unsigned borrower agreement with no E-SIGN compliance. 
Inconsistent ownership claims ( linked to me and XXXX XXXX ) and reporting timelines. 
Resurgents response to my prior CFPB inquiries and their letter dated XX/XX/XXXX ( received XX/XX/XXXX ) failed to address these specific issues or provide specific requested documents. Critically, this account was removed from my credit reports as follows : XXXX  in XX/XX/XXXX, and XXXX and XXXX  on XX/XX/XXXX, likely due to insufficient evidence. Despite these removals, XXXX continues collection efforts, violating the FDCPA ( 15 U.S.C. 1692e, 1692f, 1692g ) and FCRA ( 15 U.S.C. 1681s-2 ) over an extended period.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: MD

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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 respectfully express my concern over the violation of my consumer rights through the dissemination of inaccurate information. Equitable treatment and adherence to accuracy and compliance responsibilities are my rightful expectations.

Please provide all available details on their shortcomings.

Negative information, regardless of certification, is intolerable. The factual truth regarding your company 's operations and the data pertaining to my credit profile is of utmost significance. The lack of accuracy in the credit report I received is surprising, given the expected adherence to the FCRA and relevant Metro 2 data field formatting standards. I challenge you to create a verified, complete, and truthful document that presents evidence for each claim. Any deviation from these standards, as highlighted in the XXXX XXXXXXXX, jeopardizes data integrity, posing a serious issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: SC

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. Ive been trying to understand some instances why the credit bureaus may take some time to respond but this is so unprofessional. My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information. Please take note, it is me personally who is filling this. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: NV

Complaint narrative:
I am writing to formally dispute the accuracy of the following item ( s ) on my credit report. This notice is submitted under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), which requires your agency to conduct a reasonable reinvestigation of any disputed information within 30 days.

The item ( s ) I am disputing is/are as follows : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX According to FCRA Section 1681i , it is illegal to place inaccurate information on my credit report without my permission. Please remove these inaccurate accounts from my file 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 explanation
Consumer complaint received 2025-06-11 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: PA

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 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 2025-06-11 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: AZ

Complaint narrative:
I am submitting this complaint because a consumer reporting agency has failed to comply with its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a clear and detailed explanation of the reinvestigation process. Specifically, I requested information outlining the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to support the continued reporting of the item. 

To date, the agency has not provided any of the requested information. This failure to disclose required details violates the FCRAs standards for transparency and accountability and raises serious concerns about the accuracy and integrity of the reinvestigation process. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and could result in civil liability.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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 am filing this FTC Identity Theft Affidavit to report seven fraudulent accounts appearing on my consumer FICO Bureau credit report, which I do not recognize and are the result of identity theft and fraud. These unauthorized accounts include a collection opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX ; a collection opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX ; a collection opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX ; a collection opened at XXXX XXXX on XX/XX/XXXX under account number XXXX ; and a charged-off account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX. These fraudulent accounts have led to several unauthorized hard inquiries and collections negatively affecting my credit. I demand that all of the aforementioned fraudulent items be permanently removed from each of my consumer credit reports and that all associated collection activity cease immediately, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA 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 2025-06-11 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: MI

Complaint narrative:
I am filing this FTC Identity Theft Affidavit to report seven fraudulent accounts appearing on my consumer FICO Bureau credit report, which I do not recognize and are the result of identity theft and fraud. These unauthorized accounts include a collection opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX ; a collection opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX ; a collection opened at XXXX XXXX XXXX on XX/XX/XXXX under account number XXXX ; a collection opened at XXXX XXXX on XX/XX/XXXX under account number XXXX ; and a charged-off account opened at XXXX XXXX XXXX XXXX XX/XX/XXXX under account number XXXX. These fraudulent accounts have led to several unauthorized hard inquiries and collections negatively affecting my credit. I demand that all of the aforementioned fraudulent items be permanently removed from each of my consumer credit reports and that all associated collection activity cease immediately, in accordance with my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( XXXX ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: OH

Complaint narrative:
This letter serves as a formal dispute and demand for deletion pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681i, which mandates the reinvestigation of inaccurate, incomplete, or unverifiable information reported in a consumers credit file. 
I am demanding an immediate reinvestigation and deletion of the following account from my credit file : Disputed Account Information : ( List Account Names & Numbers ) XXXX XXXX XXXX XXXX LEGAL GROUNDS FOR REMOVAL : Under 15 USC 1681i ( a ) ( 1 ) ( A ), once a dispute is filed, you are legally obligated to conduct a full and proper reinvestigation. Any item that can not be verified with complete accuracy must be deleted from the consumer 's file within 30 days.

I am exercising this right and demanding strict compliance. Additionally, 15 USC 1681i ( a ) ( 5 ) ( A ) states that any disputed item that : can not be verified must be deleted from the file of the consumer.

Let me be clear : unless you can furnish original documentation with my wet signature proving I originated this account, you must delete it. That means no screenshots, no digital entries, no data dumps from the furnisher I want the actual original contract bearing my live signature as verification. Anything less is legally insufficient under federal law.

Per 15 USC 1681i ( a ) ( 2 ) ( B ), if the furnisher fails to respond or verify the account with sufficient evidence, you are required to delete the account immediately.

YOU ARE HEREBY PUT ON NOTICE : You have 30 days from the receipt of this letter to complete a lawful investigation.

If this account is not 100 % verifiable, or if no documentation bearing my wet signature is produced, the account must be permanently deleted.

Failure to comply will result in formal complaints being filed with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my State Attorney Generals Office.

I am also prepared to pursue civil litigation under 15 USC 1681n and 1681o for any willful or negligent noncompliance with federal law, where damages of up to {$1000.00} per violation, plus punitive damages, attorney fees, and court costs may be imposed.

I expect this matter to be handled with the utmost urgency and in full accordance with federal law. You are not above the law. If this account is not verified to the letter of the law, it must be deleted without delay

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: MO

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 XXXX  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 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
To Whom It May Concern, I am filing this complaint regarding inaccurate credit reporting on my XXXX  credit report related to a closed Apple Card account issued by Goldman Sachs Bank USA. 

The account in question was opened on XX/XX/XXXX, and was closed and charged off in XXXX, as reflected in my credit report. The last payment on this account was made on XX/XX/XXXX, and the charge-off status was reported as of XX/XX/XXXX. 

Despite this, Goldman Sachs continues to report monthly late payments on this closed, charged-off account, including recent updates marked as past due as of XX/XX/XXXX. This is not only misleading but also potentially in violation of the Fair Credit Reporting Act ( FCRA ), which prohibits furnishing inaccurate or outdated information. 

Once an account is charged off and closed, there should be no further late payment reporting, as there are no new due dates or payment obligations to miss. Reporting a new delinquency each month significantly harms my credit profile and does not reflect the actual status of the account. 

I have already filed a dispute with XXXX, but the inaccurate reporting persists. I am requesting that Goldman Sachs : Cease all future reporting of new late payments on this closed account. 
Update the tradeline to reflect accurate historical data only. 
Correct the account so that no new delinquencies are reported past the XXXX charge-off date. 
Please investigate this matter and assist in correcting my credit report. 

Thank you for your time and attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I have called Experian countless times over the past two months. I've probably spent a total of 8 hours waiting on the phone to talk to someone. I've tried to reach a live person to talk about getting my account reset since it has been hacked. My identity has been stolen and they have hijacked my Experian Account and changed my recovery phone number and email. I can not get a hold of the right person to save my life. Their customer service is the absolute worst I have ever dealt with. They don't have a direct phone line or clear lines of communication. It is more than frustrating, it is infuriating. I just want to get this resolved and am not sure what else to do other than write a complaint.

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 2025-06-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I recently discovered that my identity had been stolen, and fraudulent accounts and transactions had appeared on my credit report. These unauthorized activities have negatively impacted my credit score and financial standing. 

Details of the Issue : I did not authorize these accounts or transactions. 
I have contacted the credit bureaus XXXX XXXX XXXX XXXX XXXX XXXX  to dispute the fraudulent items, but the issue has not been fully resolved. 
I have also reached out to the creditors involved, but I am still facing difficulties in removing these unauthorized accounts from my credit report. 
The fraudulent activity has caused financial harm, including potential denial of credit, increased interest rates, and reputational damage. 

Actions Taken : Reported the identity theft to the Federal Trade Commission ( FTC ) via IdentityTheft.gov. 
Filed disputes with the major credit bureaus. 
Attempted to resolve the issue with the creditors but have not received satisfactory assistance. 

I am requesting that the CFPB intervene to ensure that the credit bureaus and creditors listed below, properly investigate and remove all fraudulent accounts and transactions from my credit report. Additionally, I request that my credit file be corrected and any negative impact on my credit score be rectified. 

JPMCB CARD XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Open credit card in my name and its affecting my credit.

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 2025-06-11 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the 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 2025-06-11 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: SC

Complaint narrative:
I do not recognize the aforementioned accounts, collections, or 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 aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief