vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I HAVE BEEN AFFECTED OF TRAFFICKING AND EQUIFAX XXXX BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION 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 AND XXXX. 

Account Name 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 explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
urgent Request for Investigation and Enforcement Failure to Issue 1099-C for Charged-Off Account XXXX XXXX XXXX [ XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
urgent Request for Investigation and Enforcement Failure to Issue 1099-C for Charged-Off Account 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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal XXXX, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I amwriting to delete the following information from my file. The items I deleted are listed in the report I am a big team of identity theft and I did not make the charge. I reported the theft of my identity to the federal trade commission and I also have enclosed copies of the federal XXXX, commission identity, theft, affidavit. 
Please delete this items as soon as possible.

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 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: IL

Complaint narrative:
I am writing to formally report that my identity was stolen between XXXX and XXXX, and I continue to suffer the ongoing and damaging consequences of this identity theft. Despite submitting numerous disputes and making repeated phone calls to various credit reporting agencies and creditors, my credit report still reflects fraudulent collections and unauthorized hard inquiries that were made without my consent. These continued inaccuracies are in direct violation of the Fair Credit Reporting Act ( FCRA ), specifically * * 15 U.S.C. 1681 ( a ) ( 1 ) * *, which emphasizes the need for fair and accurate credit reporting, and * * 15 U.S.C. 1681 ( a ) ( 6 ) ( b ) ( 3 ) * *, which outlines the responsibilities of consumer reporting agencies in the case of disputed information. Furthermore, under * * 15 U.S.C. 1681i ( a ) ( 5 ) * *, credit bureaus are required to correct or delete inaccurate or unverifiable information after a reinvestigation. 

I am requesting immediate assistance in permanently removing the following fraudulent accounts that were opened in my name without my knowledge or authorization and have remained unresolved despite my prior efforts : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$370.00} These accounts are entirely fraudulent and represent a continued violation of my consumer rights. In addition to these, there are numerous other inaccuracies on my credit report that further reflect the harm caused by this identity theft. I respectfully urge your office to take immediate action consistent with federal law to investigate and correct these violations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
Despite multiple disputes, Equifax falsely claims that XXXX XXXX XXXX XXXX not reporting on my credit report. This is a material misrepresentation. As of today, the XXXX XXXX account still appears and continues to impact my credit score, which dropped over 100 points. Under FCRA 1681c-2, Equifax was required to block the account upon receipt of my FTC Identity Theft Report, Police Report, and supporting documentation all of which they received and acknowledged. Further, under FCRA 1681i ( a ) ( 5 ), any reinsertion of a previously deleted or blocked item requires notice within XXXX business days which Equifax failed to provide. Equifaxs actions show willful noncompliance, bad faith obstruction, and deliberate harm to my credit file. Their internal investigation findings are provably false, and I demand immediate correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit.

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX/XXXX/2024

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 2025-04-29 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: PR

Complaint narrative:
I am filing this formal complaint against Equifax Information Services LLC for its failure to comply with its obligations under the Fair Credit Reporting Act ( FCRA ), specifically its failure to conduct a reasonable reinvestigation of inaccurate information I disputed in my credit file. 
On XX/XX/year>, I mailed a written dispute to Equifax via certified mail ( USPS Tracking XXXX. XXXX ). In that letter, I disputed multiple inaccuracies appearing in my credit report, including both incorrect account data and erroneous personal information. 
To ensure proper verification of my identity and address, I enclosed the following documents : A copy of my government-issued photo identification ; A copy of my Social Security card ; and A recent utility bill reflecting my current residential address. 


Despite providing all necessary documentation and submitting a clear and timely dispute, I have not received any response from Equifaxnor have I been provided the results of any investigation as required under federal law. 
Pursuant to Section 611 of the FCRA ( 15 U.S.C. 1681i ), Equifax is legally obligated to conduct a reasonable reinvestigation when a consumer notifies the agency of disputed information. Equifaxs failure to respond or investigate constitutes a direct violation of this statutory duty and infringes upon my rights as a consumer. 
For evidentiary support, I am attaching a copy of the dispute letter sent, along with proof of certified delivery. 
In light of this noncompliance, I respectfully request that the Consumer Financial Protection Bureau take immediate action to compel Equifax to fulfill its obligations under the FCRA. I further demand that Equifax permanently delete the disputed and inaccurate information from my credit report and provide written confirmation of the corrective action taken.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
Consumer Reporting Agencies play a crucial role in gathering and assessing consumer credit information. However, they must exercise their responsibilities with fairness, impartiality, and respect for the consumers right to privacy. The banking system relies on accurate and fair credit reporting, and when these reporting methods are unfair, it undermines public trust, which is vital for the system 's stability. I never gave my explicit, written consent for these agencies to report my information, which is a violation of 15 U.S. Code 1681b ( 2 ). This violation has led to an alleged case of identity theft, breaching 15 U.S. Code 1681c-2. The accounts in question are not related to any transactions made by me.

The Fair Debt Collection Practices Act was created to ensure that laws and procedures are in place to protect consumers from abusive, deceptive, and unfair practices by debt collectors. In this case, the company has violated 15 U.S. Code 1692f, which prohibits debt collectors from using unfair or unconscionable means to collect a debt. Specifically, they can not collect any amounts that arent explicitly authorized by the agreement or allowed by law. Additionally, the company has violated 15 U.S. Code 1692e, which prohibits the use of false, deceptive, or misleading representations in debt collection efforts. This includes using deceptive methods to collect a debt or gather consumer information. Moreover, they are forbidden from contacting consumers at inconvenient times or places, or engaging in behavior that harasses or abuses consumers.

In this case, the company has harassed me by claiming I owe a debt that I do not recognize as my responsibility. They have also contacted me at inconvenient times and places, in violation of the law. 

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

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 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I recently pulled my consumer credit report and found some items that i don't recognize nor did i authorize that are the result of identity theft and fraud. These items are XXXXXXXX XXXX XXXXXXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX. Said items have resulted in hard inquires and collections being filed to my consumers report and Under the ECRA 605b 15 u.s code ( 4681c-2 ) law I demand that you block any information being filed and or reported on my consumers report and to remove said items within XXXX business days of receiving this 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 non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Mercury Financial Intermediate LLC
State: AZ

Complaint narrative:
I agreed to a 12 month payment plan in XXXX of XXXX. I made XXXX payments of XXXX and a final payment of {$390.00} on XX/XX/XXXX, completing the balance. I started receiving communication in XXXX that I had a balance and was late on my payment. I have spent 60 minutes speaking with their foreign debt collection department, who was incredibly rude, overtalked me, and hung up on me. Im tired of our country allowing this XXXX  to happen. They only care about keeping you on the phone and try to get you to hang up first. I requested a domestic manager, they refused. I requested their legal department they refused. Please do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to formally notify you of an incident of identity theft. I believe that my personal information has been compromised, and unauthorized accounts have been opened in my name. I request that you place a fraud alert on my credit report to protect against further fraudulent activity. 
Below are my details : I have already filed a report with the appropriate law enforcement agency, and a copy of t report is attached to this letter. I also request that you provide me with a copy of my credit report from each bureau to ensure no additional fraudulent activity has occurred under my name. 
Please acknowledge the placement of the fraud alert and let me know if any further information is required to assist in the investigation. I understand my rights and request that all appropriate actions are taken to protect my identity and credit status. 
Thank you for your prompt attention to this matter. 
Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to formally notify you of an incident of identity theft. I believe that my personal information has been compromised, and unauthorized accounts have been opened in my name. I request that you place a fraud alert on my credit report to protect against further fraudulent activity. 
Below are my details : I have already filed a report with the appropriate law enforcement agency, and a copy of t report is attached to this letter. I also request that you provide me with a copy of my credit report from each bureau to ensure no additional fraudulent activity has occurred under my name. 
Please acknowledge the placement of the fraud alert and let me know if any further information is required to assist in the investigation. I understand my rights and request that all appropriate actions are taken to protect my identity and credit status. 
Thank you for your prompt attention to this matter. 
Sincerely,

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 2025-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Sequium Asset Solutions, LLC
State: IL

Complaint narrative:
Different debt collectors been calling and emailing me about a charge of : You had a XXXX XXXX XXXX account with account number ending XXXX. 
As of XX/XX/year>, you owed : {$8000.00} Between XX/XX/year> and today : You were charged this amount in interest : + {$0.00} You were charged this amount in fees : + {$0.00} You paid or were credited this amount toward the debt : - {$0.00} Total amount of the debt now : {$8000.00} I dont know what this is this have to be some kind of fraud because I never lived in the state of XXXX  never a day in my life..

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Spring Oaks Capital, LLC
State: LA

Complaint narrative:
On XXXX XXXX  I reviewed my consumer report on XXXX  and XXXX  and a collection notice from XXXX XXXX XXXX in regards to business with XXXX XXXX XXXX in the amount of {$600.00} and have not given this company consent to disclose my location information. This is a direct violation of 15 USC 1692b Acquisition of location information. This company should have not contacted me about an alleged debt not owed to their company without consent of the consumer. This debt is disputed. Please delete from your information system. 15 USC 1692g validation of debts written notice by including the name of the creditor to whom the debt is owed ; the amount of the debt ; NO CONSENT FROM CONSUMER OR NOTIFICATION ALERTING THE CONSUMER OF transfer of ownership.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: AZ

Complaint narrative:
I lived at XXXX XXXX  for a little over 1.5 years, we moved out in XXXX of XXXX, we left our keys and expected a itemized bill to be sent to our provided address 14 days which is Arizona mandated law to my forwarding address. They failed to do so not getting the letter to us till XX/XX/XXXX which is well over the 14 days. We provided the paperwork, information, and evidence showing the day the mail came in, instead, a representative actively threatened and gaslit me to try and pay my bill otherwise face legal trouble. Today I receive an email from a debt collector out of state. They say I owe XXXX without an itemized list or even description of what the XXXX is for. I disputed it not only with XXXX before but aswell with this company. XXXX flats is a company located in XXXX XXXX  XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX. The debt collector who reached out to me is Sequium Asset Solutions , LLC

Company response to consumer: Closed with non-monetary relief