vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received a letter from XXXX XXXX XXXX on behalf of XXXX Funding attempting to collect a debt that has already been disputed under an official FTC Identity Theft Report and 605B affidavit. This debt was previously deleted from all three credit bureaus and lacks any proof of ownership, a contract, or proper assignment. 

This collection attempt is in violation of : FCRA 605B Mandated blocking of fraudulent accounts FDCPA 809 ( a ) Failure to provide debt validation FCRA 604 Unauthorized pulling and use of my credit info Identity Theft Act Buying/selling of consumer data without consent XXXXXXXX XXXX  and XXXX are XXXXnowingly attempting to collect on a fraudulent and disputed account. I demand an immediate cease and desist, full debt validation, and all supporting documentation including original signed agreements and the chain of assignment.

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 2025-06-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: AE

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: FL

Complaint narrative:
I am submitting this complaint to bring attention to the mishandling of my identity theft dispute by Experian RentBureau and the collection agency XXXX, and to request enforcement of my rights under the Fair Credit Reporting Act ( FCRA ).

In XX/XX/XXXX, I successfully disputed a collection account reported on my rental history that resulted from identity theft. I provided Experian RentBureau with a complete identity theft affidavit and all necessary supporting documentation. As required by law, this fraudulent debt was blocked and removed from my rental history on XX/XX/XXXX. 

However, in XX/XX/XXXXXXXX Experian RentBureau reintegrated the same disputed debt into my report, claiming it had been validated by XXXX. I was never notified in writing prior to the reinsertion, nor was I given an opportunity to dispute the debt again, which violates the FCRA. Upon inquiry, Experian RentBureau directed me to contact XXXX directly. 

I contacted XXXX, and they provided what appears to be only an online rental application. This documentation does not meet the legal standard required to validate a debt. I have never rented, resided at, or applied to rent the property in question. Therefore, the alleged debt is fraudulent and a clear case of identity theft. 

Under the FCRA, to properly validate and verify a rental debt, the furnisher ( XXXX ) must provide : A signed and dated rental or lease agreement bearing my signature ; Documentation of payment history or outstanding balances related to the rental property ; Proof of residency or occupancy ( e.g., utility bills, correspondence addressed to me at the rental property ) ; Any other contracts or documents legally binding me to the debt. 

An online rental application alone is insufficient to establish that this debt belongs to me or that it is valid. Reinserting this debt without providing proper validation, or notifying me beforehand, violates my rights under the FCRA and causes significant harm to my ability to rent housing. 

I request the CFPBs assistance to ensure that Experian RentBureau and XXXX : Comply with the FCRA requirements for dispute investigation and reinsertion notifications ; Provide complete and valid documentation proving the debt is accurate and belongs to me ; Permanently remove this fraudulent debt from my rental history if proper validation can not be provided ; Correct my rental history to prevent further damage to my housing opportunities. 

Thank you for your time and attention to this urgent 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 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I demand immediate attention to serious inaccuracies on my credit report. Late payments have been reported incorrectly, despite the fact that these accounts have been paid as agreed. This misleading information is adversely affecting my creditworthiness, and I insist that corrections be made without delay. 

I expect a prompt response to rectify these issues.

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 2025-06-10 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: TX

Complaint narrative:
I recently viewed my consumer report and noticed several Unauthorized Inquiries, Wrong addresses being reported. Inaccurate, Duplicate and Triple reporting of the same account. Inaccurate addresses: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 UNATHORIZED INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, INACCURATE ACCOUNTS : XXXX XXXX ACCT # XXXX ( XXXX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX ACCT # XXXX, ( XXXX XXXX ) XXXX XXXX XXXX ACCT # XXXX, XXXX  XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX ACCT # XXXX ( XXXX XXXX XXXX  ) XXXX XXXX ACCT # XXXX ( XXXX  ) XXXX XXXX XXXX  ACCT # XXXX ( XXXX XXXX XXXX ( XXXX XXXX ) XXXX XXXX XXXX ACCT # XXXX, ( XXXX XXXX XXXX ) ( XXXX XXXX ) XXXX  XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX ACCT # XXXX ( XXXX XXXX ) XXXX XXXX ACCT # XXXX, XXXX XXXX XXXX XXXX ACCT # XXXX, XXXX ACCT # XXXX, XXXX XXXX LLC ACCT # 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 2025-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: MD

Complaint narrative:
Ongoing Reporting of Fraudulent Accounts Despite Valid FTC Identity Theft Reports Your Name : XXXX XXXX Your Address : XXXX XXXX XXXX XXXX MD XXXX Dear CFPB Representative, I am filing this formal complaint against XXXX XXXX XXXX XXXX and debt XXXX for their continued failure to comply with the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). 

Despite submitting multiple FTC Identity Theft Reports, including FTC Report # XXXX, fraudulent accounts remain on my credit reports nearly XXXX XXXX later. Under FCRA Section XXXX, XXXX XXXX are required to block fraudulent information within XXXX business days of receiving proper identity theft documentation. However, they have not done so. 

Additionally, I have sent formal validation requests under FDCPA XXXX XXXX to the debt XXXX involved, yet I have only received generic or incomplete responses, and some have failed to respond at all. These companies continue to report XXXX accounts with no proof of validity, despite my documentation. 

The accounts I am disputing as fraudulent include ( but are not limited to ) : Jefferson Capital Systems XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXXXXXX XXXX XXXX XXXX  all whom I NEVER had a relationship with Any accounts appearing under XXXX XXXX XXXX XXXX  XXXX with fraudulent debt Any affiliated accounts tied to the above entities on XXXX XXXX XXXX XXXX These items are materially XXXX XXXX XXXX  and were not authorized or opened by me. I have completed and submitted all legally required documentation to confirm these are the result of identity theft. 

I am requesting : XXXX deletion of these fraudulent accounts from XXXX XXXX XXXX XXXX 

A formal investigation into the non-compliance of the XXXX XXXX XXXX 
These debtor even refuse to show how the obtained and validated these accounts. 

Enforcement of my rights under FCRA XXXX and FDCPA XXXX. 

Please note that I have attached copies of my FTC reports, government-issued ID, and any relevant correspondence previously sent to these companies. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: IN

Complaint narrative:
I need your assistance in looking into accounts from these companies that have inaccurately reported late payments. I checked my credit report and found certain accounts marked late, which is incorrect. These late payment remarks should be removed, and the accounts should be updated to reflect a positive, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Lendmark Financial Services
State: WI

Complaint narrative:
I received an unsecured personal loan from Lendmark Financial Services on XX/XX/XXXX. The signed agreement clearly states this was not secured by a vehicle or any other property. However, the lender is now threatening to repossess my vehicle in a letter dated XX/XX/XXXX. 

This is false and misleading, as no collateral was ever listed in the agreement, and the Notice of Right to Cure Default also shows no collateral. These threats appear to be a violation of their own contract terms and may be an illegal collection tactic. 

I am requesting that CFPB investigate this matter and that Lendmark immediately cease these threats and acknowledge in writing that my vehicle can not be repossessed for this unsecured loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Exeter Finance, LLC.
State: TX

Complaint narrative:
To whom it may concern, I am disputing the account listed under Exeter Finance LLC, showing a charged-off balance of {$21000.00}. This account was sold or transferred to XXXX XXXX XXXX, who is also reporting the same debt as a separate collection account. 

Reporting the same debt under both the original creditor and a debt buyer causes duplicate derogatory entries, which violates the FCRA. Once a debt is sold and no longer owned by the original creditor, they should either report a {$0.00} balance or remove the account entirely. 

I am requesting the complete deletion of this account from my credit report due to duplicate reporting and unverifiable balance status.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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:
This complaint serves as my FOURTH FORMAL NOTICE regarding inaccurate personal information appearing in my consumer report maintained by youre a organization. I have previously submitted three notices.

Despite my repeated requests, the inaccurate information remains uncorrected. This constitutes a continued violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), which requires consumer reporting agencies and furnishers to conduct a reasonable reinvestigation when a dispute is submitted by a consumer.

I am enclosing supporting documentation once again for your review, including [ list any documents : copies of previous disputes, proof of payment, identity theft report, etc. ].

Under the FCRA, you are obligated to : 1. Investigate the dispute within 30 days ( or 45 days under certain conditions ) ; 2. Notify the furnisher of the dispute ; 3. Correct or delete inaccurate, incomplete, or unverifiable information ; and 4. Provide me with the results of your reinvestigation.

To date, you have failed to comply with these obligations. Your continued failure to address these inaccuracies may be deemed willful noncompliance, subjecting your organization to civil liability under 15 U.S.C. 1681n and statutory damages, punitive damages, attorneys ' fees, and actual damages under the law.

Demand : I am demanding the following : - Immediate deletion or correction of the disputed information ; - Written confirmation of such correction within 15 days of receipt of this letter. 
XXXX XXXX XXXX XXXX XXXX, NY 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 2025-06-09 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've recently recieved a copy of my credit report and noticed several inaccuracies and unauthorized accounts information reporting to my credit report these remarks have been 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 2025-06-10 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:
I am extremely dissatisfied with the failure to comply with section FCRA XXXX ( XXXX XXXX. XXXX ), which mandates the removal of certain information within XXXX days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries. 


Account name : XXXX  Account number : XXXX Account name : XXXX  XXXX XXXX Account number : XXXX Account name : XXXX  Account number : 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 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 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 XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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:
I have been trying to resolve this issue with Equifax and my creditors directly for the past 6 months but it's clear that they are not actually reading my letters or looking at my documentation. Not only is this account not mine but it isn't even being reported accurately.... a complete FCRA violation that I plan to seek damages for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-09 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: CA

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 non-monetary relief
Consumer complaint received 2025-06-10 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: Early Warning Services, LLC
State: OH

Complaint narrative:
Name : XXXX XXXX XXXX XXXX Date of XXXX SSN : XXXX ID Type : Driver 's License ID Number : XXXX Address : XXXX XXXX XXXX XXXX OH XXXX Early Warning Services , LLC XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AZ XXXX ( XXXX ) XXXX I am writing to request an investigation of the following information that appears on my Early Warning Systems consumer report. I have NEVER opened or used the following account numbers : Bank : XXXX XXXX XXXX XXXX XXXX XXXX Date : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXXXXXX XXXX OH ( XXXX XXXX : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Bank : XXXXXXXX XXXX OH ( XXXX XXXX : XX/XX/XXXX ) Account # : XXXX Routing # : XXXX Inquiries : Bank : XXXX XXXXXXXX XX/XX/XXXX Bank : XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX behalf oXXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXX/XX/XXXX Bank : XXXX XXXX XX/XX/XXXX Bank : XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX  : XXXX XXXX XXXX XX/XX/XXXX I dont recognize the following accounts or Inquirers in question. Im a victim of identity theft and I dont recognize these accounts on my report. Im requesting the following information be deleted from my XXXX XXXX XXXX report immediately! Ive attached a copy of the report to this request. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-10 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: IA

Complaint narrative:
ThisCFPBcomplaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you the TransUnion credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. These fraudulent accounts consist of an account opened at XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opened XX/XX/XXXX XXXX XXXX XXXX opend XX/XX/XXXX XXXX XXXX opened XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX opened XX/XX/XXXX .accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've 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 aforementioned fraudulent items. 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. I have attached a copy of FTC Identity Theft Criminal Complaint 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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-10 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: GA

Complaint narrative:
This is a formal and legitimate complaint that requires immediate corrective action. My credit report contains blatantly inaccurate information, in direct violation of the legal requirement for maximum possible accuracy. These errors are causing serious and ongoing harm to my financial standing and overall well-being. I demand a prompt and thorough investigation. All false, inaccurate, or unverifiable entries must be corrected or permanently removed without delay. This matter must be resolved immediatelyany failure to act will constitute a serious breach of duty and will result in swift escalation.

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