vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report.

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress.

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: Amsher Collection Services, Inc.
State: FL

Complaint narrative:
I am writing to inform you that I am a victim of identity theft. I have recently discovered fraudulent accounts listed on my credit report with your bureau that were opened without my knowledge or consent. I did not authorize these accounts, and I am in no way responsible for them.

I am requesting that you immediately remove all fraudulent accounts and any associated inquiries from my credit report to correct the inaccuracies caused by this identity theft. I have already filed a police report regarding this matter, and I am prepared to provide you with any additional documentation or information you may require to verify my identity and the fraudulent nature of these accounts.

Thank you for your prompt attention to this serious matter. I look forward to your confirmation that the fraudulent accounts have been removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I am writing to inform you that I am a victim of identity theft. I have recently discovered fraudulent accounts listed on my credit report with your bureau that were opened without my knowledge or consent. I did not authorize these accounts, and I am in no way responsible for them.

I am requesting that you immediately remove all fraudulent accounts and any associated inquiries from my credit report to correct the inaccuracies caused by this identity theft. I have already filed a police report regarding this matter, and I am prepared to provide you with any additional documentation or information you may require to verify my identity and the fraudulent nature of these accounts.

Thank you for your prompt attention to this serious matter. I look forward to your confirmation that the fraudulent accounts have been removed from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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 filing a formal complaint against Experian Information Solutions XXXX for continuing to report inaccurate, unverifiable, and unauthorized information on my credit report. 

Despite formally disputing these items in writing, Experian has failed to provide proper documentation, validation, or deletion of the accounts and inquiries in question. 

I was involved in a documented data breach, placing my personal information at high risk. Under 15 U.S.C. 1681g and 1681e ( b ), Experian is required to ensure the maximum possible accuracy of my credit file particularly when there is a known exposure. 

Disputed items include : - XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX No contract, no validation, not verified - XXXX XXXX XXXX XXXX account without supporting documentation - XXXX XXXX : Inconsistent account history, unverifiable - XXXX  XXXX : Paid account still showing derogatory remarks past relevance - Multiple unauthorized hard inquiries ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. ) without permissible purpose I sent a formal cease and desist + dispute letter demanding deletion of these items under FCRA 1681e ( b ), 1681g, 1681i, 1681b, and FDCPA 1692c. Experian failed to validate or correct the disputed entries within the required 30-day window. 

I am requesting full removal of these items and an updated, accurate 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 2025-08-01 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: NJ

Complaint narrative:
THESE ACCOUNTS DO NOT BELONG TO ME AND ARE NEGATIVELY IMPACTING MY CREDIT REPUTATION. PLEASE REMOVE THEM FROM MY CREDIT REPORT, AS THEY ARE A RESULT OF IDENTITY THEFT. 

XXXX # XXXX XX/XX/XXXX -- {$24000.00} XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$2000.00} XXXX  XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$6900.00} XXXX XXXXXXXX XXXX XXXXXXXX XX/XX/XXXX -- {$6300.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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:
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 : XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$520.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$790.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: TX

Complaint narrative:
I am submitting this complaint on my own behalf regarding inaccurate late payment entries that have appeared on my credit record. Despite sending correspondence to the creditor more than 30 days ago requesting proper validation of these disputed items, I have received no response whatsoever. Their failure to provide satisfactory documentation or validation of these alleged late payments violates my rights under the Fair Credit Reporting Act, and I am now seeking your assistance to resolve this matter expeditiously.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I recently reviewed my credit report and noticed a late payment listed for one of my accounts. After confirming my records, I am certain this was reported in error. I have always made payments on time and in good faith.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I have discovered an account on my credit report that I did not authorize or open. I am not responsible for this account, and I believe it has been incorrectly linked to my identity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: NC

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 : XXXX  XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4300.00} XXXXXXXX XXXX  - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4900.00} XXXX XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$18000.00} XXXX XXXX - Account Number XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$36000.00} INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX  XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXXXXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX Date : XX/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 explanation
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am an authorized user ( or possibly joint account holder, awaiting confirmation ) on a Fifth Third Momentum Checking account ( ending in XXXX ) in my aunts name, [ Aunts Full Name ]. My debit card shows only my name. The account, which I typically maintain at a {$9.00} balance, dropped to - {$490000.00} after a fraudulent {$500000.00} deposit I did not initiate, which was reversed, causing a massive overdraft. I deposited {$2400.00} on XX/XX/year>, but it was absorbed by the negative balance. The account is restricted ( error : Well, that didnt go as it should have when logging in ), and Fifth Third informed me the account is being closed due to the overdraft. I believe this is a check fraud scam, as I never expected or authorized the {$500000.00} deposit. The bank has not resolved the issue, and Im concerned about overdraft fees ( {$37.00} per item, {$8.00} daily ), a XXXX report, and debt collection impacting my aunt ( primary account holder ) and potentially me if Im a joint account holder. The account may be linked to another account ( e.g., my XXXX XXXX XXXX account ) for overdraft protection, risking further issues. I need Fifth Third to investigate the fraud, reverse the negative balance, waive fees, stop the account closure, and prevent a XXXX report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting the prompt removal of this erroneous late payment from my account. Given my history of timely payments, this entry is unfair and needs to be corrected immediately.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX Midland Credit Management XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX Subject : Formal Debt Validation Request Pursuant to 15 U.S.C. 1692g ( FDCPA ) Account Number : XXXX To Whom It May Concern : This letter is a formal request for validation of a debt you claim I owe. I recently obtained a copy of my credit report and noticed a collection account listed under your name with the following details : Creditor : Midland Credit Management Account Number : XXXX Balance : {$600.00} Date Opened : XX/XX/XXXX Reported Past Due : XX/XX/XXXX As provided by the Fair Debt Collection Practices Act, I am requesting that you provide competent evidence that I am legally obligated to pay this debt. Please provide the following : 1. A full accounting of the alleged debt, including all charges, interest, and fees.

2. The name and contact information of the original creditor.

3. A copy of the signed agreement or contract that legally obligates me to this debt.

4. Proof that your agency owns or has been assigned the debt and is legally authorized to collect it.

5. Your license number and proof you are authorized to collect debts in my state.

While I investigate this matter, I request that you cease all collection efforts and refrain from reporting this account to any credit bureaus until validation is complete.

If you are unable to provide the documentation requested, you must delete this account from my credit report and stop any further collection actions.

This letter is not an acknowledgment or acceptance of any liability for the alleged debt. I am merely exercising my right to request validation under federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently pulled my credit report and noticed multiple Fraudulent inquiries. I have no knowledge of these inquiries and need them removed immediately. This is my 2nd attempt reporting these unauthorized inquiries XXXX XXXX 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 explanation
Consumer complaint received 2025-08-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently pulled my credit report and noticed multiple Fraudulent inquiries. I have no knowledge of these inquiries and need them removed immediately. This is my 2nd attempt reporting these unauthorized inquiries XXXX XXXX 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 explanation
Consumer complaint received 2025-08-01 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: AR

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA.

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: NC

Complaint narrative:
I am formally disputing the accuracy of the following account ( s ) on my credit report, as allowed under 15 U.S.C. 1681i : XXXX XXXX XXXX XXXX XXXX XXXX - Account not mine XXXX XXXX  XXXX - Account not mine XXXX  - XXXX - Account not mine XXXX XXXX  - XXXX - Account not mine XXXX  XXXX - XXXX - Account not mine XXXX XXXX  - XXXX - Account not mine XXXX XXXX  - XXXX - Account not mine XXXX XXXX XXXX XXXX  XXXX - Account not mine

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
On XX/XX/year>, I emailed XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), requesting : A full breakdown of my arrears balance, including interest, penalties, and how the {$81000.00} / {$65000.00} figures were calculated Forms and steps for hardship-based forgiveness or reduction Eligibility information for programs like XXXX  Whether the custodial parents cooperation could help resolve the debt 58 days later, I have XXXX response. Meanwhile, the case ( # XXXX ) is harming my credit : it shows XXXX derogatory months, a huge pastdue balance, but also says open and in good standinga clear contradiction. This violates FCRA 623 and Metro 2 guidelines. I am seeking deletion or correction of the tradeline with all three credit bureaus. 

In XXXX XXXX Trans Union, the noncustodial was reported with child support arrears without judgment. The furnisher failed to verify the debt accurately, but the court ultimately upheld removal because the reporting was unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX alleged due process violations and improper reportingdemonstrating that agencies can be held liable under civil rights and credit laws for mishandling child support enforcement. 

Furnishers must investigate and validate disputes within 30 days, or delete the tradeline if it can not be verified ( FCRA 623 and 611 ). 
Its been 58 days. 

Credit must be accurate and consistentbut right now, your report mixes positive status with extreme delinquency, which is inherently misleading and violates Metro 2 standards.

Credit must be accurate and consistentbut right now, your report mixes positive status with extreme delinquency, which is inherently misleading and violates Metro 2 standards.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-01 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: CA

Complaint narrative:
On XX/XX/year>, I emailed XXXX XXXX XXXXXXXX XXXX XXXX XXXX ( XXXX XXXX XXXX ), requesting : A full breakdown of my arrears balance, including interest, penalties, and how the {$81000.00} / {$65000.00} figures were calculated Forms and steps for hardship-based forgiveness or reduction Eligibility information for programs like XXXX  Whether the custodial parents cooperation could help resolve the debt 58 days later, I have XXXX response. Meanwhile, the case ( # XXXX ) is harming my credit : it shows XXXX derogatory months, a huge pastdue balance, but also says open and in good standinga clear contradiction. This violates FCRA 623 and Metro 2 guidelines. I am seeking deletion or correction of the tradeline with all three credit bureaus. 

In XXXX XXXX Trans Union, the noncustodial was reported with child support arrears without judgment. The furnisher failed to verify the debt accurately, but the court ultimately upheld removal because the reporting was unverifiable. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX alleged due process violations and improper reportingdemonstrating that agencies can be held liable under civil rights and credit laws for mishandling child support enforcement. 

Furnishers must investigate and validate disputes within 30 days, or delete the tradeline if it can not be verified ( FCRA 623 and 611 ). 
Its been 58 days. 

Credit must be accurate and consistentbut right now, your report mixes positive status with extreme delinquency, which is inherently misleading and violates Metro 2 standards.

Credit must be accurate and consistentbut right now, your report mixes positive status with extreme delinquency, which is inherently misleading and violates Metro 2 standards.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-01 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: AZ

Complaint narrative:
improper validation on done thru electronica system and not pphysically validated with proper documentation and proof. addresses are not verifiable.

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