vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''

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 2025-06-25 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: MS

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: NH

Complaint narrative:
This letter serves as a formal follow-up to my initial dispute XXXX regarding inaccurate information being reported on my consumer credit report by Equifax, XXXX XXXX XXXX  for XXXX ( Account # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am now invoking my rights under FCRA 611 ( 15 U.S.C. 1681i ), which mandates that consumer reporting agencies reinvestigate disputed information and provide a detailed description of the procedure used to determine the accuracy and completeness of the disputed items. Since your previous response returned the account as verified, I am now requesting the specific method of verification used to reach that conclusion, including the name and contact information of the furnisher, and the original source of the data used to verify the accuracy of the delinquency status reported. If you are unable to provide this information, or if the furnisher can not produce documented evidence bearing my original wet signature authorizing the reporting of such information, then per the FCRA, all contested items in my original dispute must be permanently deleted from the credit report you maintain.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: IN

Complaint narrative:
I noticed that I encountered an incorrect charge and/or late payment marked on my account.This seems to be a mistake.

I understand that there may be some confusion, and I am happy to provide any additional documentation or clarification to help resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: MD

Complaint narrative:
These accounts reflect a responsible payment history and are important for an accurate representation of my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: GA

Complaint narrative:
I am disputing inaccuracies on my credit report and requesting the immediate removal of specific accounts and items. These inaccuracies include unauthorized negative entries, incorrect addresses, and hard inquiries reported without my consent. These actions violate the Fair Credit Reporting Act ( FCRA ) and the Fair and Accurate Credit Transactions Act ( FACTA ), particularly 15 U.S.C. 1681c-2, which requires consumer reporting agencies to block or delete information reported without written consent. You have failed to ensure maximum possible accuracy, as required under 15 U.S.C. 1681e ( b ). The reporting of unauthorized data also breaches 15 U.S.C. 1681b, which governs permissible purposes for obtaining and reporting consumer data. The inaccuracies have caused harm to my creditworthiness, and despite providing documentation, these errors remain uncorrected.

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 2025-06-24 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: GA

Complaint narrative:
I am writing to dispute a medical collection account that is currently being reported inaccurately across the credit reporting agencies. This account has been deleted from one consumer reporting agency after investigation, which confirms that the account does not meet the standards for valid credit reporting.

However, this same account continues to be reported by other credit bureaus, which is a clear violation of the Fair Credit Reporting Act ( FCRA ). Under the FCRA, all information in a consumers credit report must be complete, accurate, and consistent across agencies. It is not accurate or fair for the same account to be deleted from one report but still negatively affect others. 

Account Details : Type : XXXX XXXX Original Creditor : XXXX XXXX XXXX  Collection Agency : XXXX XXXX XXXXXXXX Date XXXX Consumer Reporting Agency that Deleted the Account : XXXX  I am requesting that this account be removed from all credit reporting databases to reflect consistent and accurate reporting. Please complete your reinvestigation and provide written confirmation that this medical collection has been removed. 

Thank you for your attention to this matter. I look forward to prompt resolution in accordance with federal law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: IL

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 2025-06-24 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: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
The company XXXX XXXX  closed my account, and then they reopened it saying that I refinance the vehicle. When I gave it up for voluntary repo.Without notification or consent : If they reopen a closed account and report it without telling me, especially after a settlement or charge-off, this violates the Fair Credit Reporting Act ( FCRA ) or Fair Debt Collection Practices Act ( FDCPA ). 

To continue charging interest or fees : Reopening a closed account just to resume billing is deceptive and violates consumer protection laws. 

Account was settled or discharged Reopening it would likely violate protections or settlement terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-24 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: FL

Complaint narrative:
" After reviewing my consumer report, I noticed that there was still late payment on my consumer report which have never been late because the creditor failed to provide any proof or evidence so this needs to be corrected immediately to paid as agreed and never late. ( NAME OF THE COMPANY ) This account is related to a transaction and experience that falls under the EXCLUSION section of the FCRA 's definitions, rules of construction section. It was also reported without my written consent and therefore is a result of identity theft ( as defined by the Federal Trade Commission ), and the account SHALL be Corrected. This account is not related to any transaction authorized by me, the consumer as I did not give written instructions to your agency to report this, which is a violation of the permissible purpose section of the FCRA, which holds your agency ( NAME OF THE COMPANY ) name liable for damages of at least {$1000.00} per the civil liability section for willful non-compliance. Please CORRECT this item from my consumer report! According to15 U.S. Code 1681b - Permissible purposes of consumer reports The Law clearly states : ( a ) In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. I clearly did not give your agency written authorization or written instructions to report this information. Your agency is conspiring with these creditors against me in committing aggravated identity theft and I have sustained defamation of my character, just to name a couple damages should this matter escalate to court. 15 U.S. Code 1681e - Compliance procedures- ( b ) Accuracy of report 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. 15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of 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. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am filing this formal complaint regarding multiple unauthorized credit inquiries and collection accounts that appear on my credit report as a result of identity theft. These items are causing significant harm to my credit profile and were not initiated or authorized by me. 

Under the Fair Credit Reporting Act ( FCRA ), I am exercising my legal right to request the immediate removal of these fraudulent inquiries and collections. Please find the applicable legal provisions below : 1. Removal of Information Resulting from Identity Theft FCRA 605B ( 15 U.S.C. 1681c-2 ) Pursuant to the FCRA : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of : Appropriate proof of the identity of the consumer ; A copy of an identity theft report ( police report or FTC affidavit ) ; The identification of the fraudulent information ; and A statement that the information does not relate to any transaction by the consumer.

I have provided all required documentation, including proof of identity, a copy of my identity theft report, a detailed list of the fraudulent inquiries and collections, and a sworn statement affirming that these are not related to any authorized transaction on my part.

2. Removal of Fraudulent Collections FCRA 602A and 623 ( a ) ( 6 ) Under FCRA and in alignment with the responsibilities of data furnishers : A person shall not furnish 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.

Additionally, under FCRA 623 ( a ) ( 6 ) : A person may not furnish information to a consumer reporting agency if the person has been notified by the consumer that the information is the result of identity theft, and the consumer has provided an identity theft report.

As such, any collection account found to be related to identity theft must be deleted from my file and cease to be reported by both the furnisher and the credit bureau.

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 2025-06-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this formal complaint regarding multiple unauthorized credit inquiries and collection accounts that appear on my credit report as a result of identity theft. These items are causing significant harm to my credit profile and were not initiated or authorized by me. 

Under the Fair Credit Reporting Act ( FCRA ), I am exercising my legal right to request the immediate removal of these fraudulent inquiries and collections. Please find the applicable legal provisions below : 1. Removal of Information Resulting from Identity Theft FCRA 605B ( 15 U.S.C. 1681c-2 ) Pursuant to the FCRA : A consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of : Appropriate proof of the identity of the consumer ; A copy of an identity theft report ( police report or FTC affidavit ) ; The identification of the fraudulent information ; and A statement that the information does not relate to any transaction by the consumer.

I have provided all required documentation, including proof of identity, a copy of my identity theft report, a detailed list of the fraudulent inquiries and collections, and a sworn statement affirming that these are not related to any authorized transaction on my part.

2. Removal of Fraudulent Collections FCRA 602A and 623 ( a ) ( 6 ) Under FCRA and in alignment with the responsibilities of data furnishers : A person shall not furnish 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.

Additionally, under FCRA 623 ( a ) ( 6 ) : A person may not furnish information to a consumer reporting agency if the person has been notified by the consumer that the information is the result of identity theft, and the consumer has provided an identity theft report.

As such, any collection account found to be related to identity theft must be deleted from my file and cease to be reported by both the furnisher and the credit bureau.

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 2025-06-25 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: DE

Complaint narrative:
I have tried to send letter to you guys before but i have never seen my disputes get processed so i am attaching the letters here. I want you to investigate everything that is incomplete or inaccurate and if you cant verify the completeness and or accuracy then you need to delete from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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: TX

Complaint narrative:
This serves as my FINAL NOTICE OF INTENT TO LITIGATE regarding the patently inaccurate late payment entries reported by EquifaxXXXX XXXX, and XXXX under XXXXXXXX XXXX XXXX and XXXX XXXX XXXX. Despite my formal disputes submitted on XX/XX/XXXX and XX/XX/XXXX, you have failed to correct or adequately verify the reported delinquencies as required by the Fair Credit Reporting Act ( FCRA ), including Sections 611, 604, and 1666b. Your continued inaction is a willful violation of my rights, causing significant harm to my credit standing and financial opportunities. As a good-faith effort to resolve this matter without the need for litigation, I am extending a settlement offer : ( 1 ) the complete deletion of all 2 inaccurate late payment entries across all three bureaus, and ( 2 ) payment of {$200.00} to compensate for the damages suffered. This offer is valid for ten ( 10 ) calendar days from the date of this letter. Failure to respond with written acceptance and a corrective action plan within that period will result in the immediate filing of a federal complaint for violations of the FCRA. I will seek actual, statutory up to {$2000.00}, punitive damages, and full reimbursement of legal fees. You are now formally on notice of your legal exposure and urged to treat this as a final opportunity to resolve this matter without litigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-24 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:
I am contacting you in response to several accounts that appear on my credit file, which I did not open or authorize. I believe these accounts are the result of fraudulent activity involving my personal information. I had no knowledge of their existence until they began negatively impacting 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 2025-06-24 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: TX

Complaint narrative:
These accounts have been reported under my name without my knowledge, consent, or authorization. I have never opened, managed, or approved any association with them. This is a serious breach, as it misrepresents my financial history and damages the integrity of my credit profile. I consider this matter extremely serious and demand an immediate explanation for how these accounts were reported and who is responsible.

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