vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
I am disputing the following items on my credit report as they are inaccurately reported. I request immediate investigation and correction of these entries. 

Charged Off Accounts : XXXX XXXX Account Number : XXXX Date Open : XX/XX/year> Balance : {$0.00} Inquiries : No inquiries listed for dispute on Experian. 

Late Payments : XXXX  XXXX Account Number : 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 2025-11-18 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: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) Office of the Comptroller of Currency and Federal Reserve Consumer Help as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS AND HAR INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND HARD INQUIRIES from my credit report. 
ACCOUNTS : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to contest inaccurate information on my credit report in accordance with 15 U.S.C. 1681c-2 and to formally request the blocking of this erroneous data. Enclosed is a copy of my Police Report/FTC identity theft report ( FTC REPORT NUMBER : XXXX ) Office of the Comptroller of Currency and Federal Reserve Consumer Help as evidence supporting my identity theft claim. As per 15 U.S.C. 1681c-2, upon submission of an identity theft report by a consumer, credit reporting agencies are obligated to block any information flagged by the consumer as stemming from identity theft within FOUR business days. The following information on my credit report is the result of identity theft and should be blocked : I am writing to notify you that I have fallen prey to identity theft. I have reached out to the Federal Trade Commission and lodged a complaint, which is enclosed for your reference. My credit report contains fraudulent ACCOUNTS AND HAR INQUIRIES that are not associated with me. All necessary documentation is included in this packet, and copies have been sent to your agency both via fax and through Certified mail. In addition, I request the immediate removal of the following fraudulent ACCOUNTS AND HARD INQUIRIES from my credit report. 
ACCOUNTS : XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX  # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX # XXXXXXXX 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 non-monetary relief
Consumer complaint received 2025-11-18 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: PA

Complaint narrative:
Delete Hard Inquiries In accordance with the Fair Credit Reporting act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The accounts below have violated my rights.

15 U.S.C 1681 section 602A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C 1681s-2 ( A ) ( a ) A person shall not furnish any 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
This account was created without my authorization.

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 2025-11-18 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: TX

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain accounts reported by Experian. Below are the accounts that I believe to be inaccurate : Charged Off Accounts XXXX  XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$970.00} Issue : I dispute this account as charged off. Please verify the details. 

XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$130.00} Issue : The charge-off status needs further verification. 

XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$530.00} Issue : I dispute the charge-off status and request verification. 

XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$310.00} Issue : Please verify the charge-off status. 

XXXX  Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$500.00} Issue : I request confirmation and verification of the reported charge-off. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$1900.00} Issue : Please investigate and confirm the charge-off status. 

XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$4100.00} Issue : I dispute this account as charged off and request verification. 

XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Balance : {$140.00} Issue : Verification required for the charge-off status. 

XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$97.00} Issue : Disputing the charge-off status for further investigation. 

XXXX  XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Balance : {$110.00} Issue : Please verify the charge-off details. 

Inquiries XXXX XXXX Date : XX/XX/XXXX XXXX Date : XX/XX/XXXX XXXX  Date : XX/XX/XXXX Late Payments XXXX Account Number : XXXX XXXX XXXX XXXX XXXX SBNA Account Number : 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 2025-11-18 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
The personal information on my credit report were outdated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: TX

Complaint narrative:
Hello, I sent in Verified information to all credit bureaus containing credit alerts that I've been receiving over the last 10 years and I have been attempting to clean my credit. I have sent TransUnion the same information and asked for the XXXX XXXX contracts for several accounts on specific items on my credit reports, I've requested names and phone numbers of the companies or persons who verified this information in what they asked for which was 30 days. I've been given the run around and no proof requested that I owned the debt and I have not received any of that information. I wish to opt out of any company that can access my credit report without my written or verbal consent per the law. I have not been sent any assignment contracts and have concerns about a Company named XXXX card, high balance of XXXX dollars, I have not been sent the verifying information pertaining/ opening date of XXXX, no assignment contracts/Bill of Sale , no names of companies and persons who verified this debt to this account. A Company named XXXX XXXX XXXX, high balance of XXXX dollars, open date XXXX date of XXXX on my report but has not been removed. I opt out of any company pulling a soft or an hard XXXX from my report without my written or authorized signature or verbal agreement. XXXX XXXX XXXX has another account, high balance of XXXX dollars, open date XXXX date of XXXX and has not been removed, please remove immediately. I've been given nothing for verifying this debt. Please remove immediately. There are laws against this and they say that I can legally pursue for damages. I have not been sent any information or assigned contracts, no names, no company representation phone numbers for a XXXX named XXXX XXXX, unknown account number, it says that it's in collection but I've been given nothing verifying this debt, account opened XXXX high balance of XXXX dollars. I haven't been sent any verifying information for this debt, Please remove immediately. Another company named XXXX high balance of XXXX dollars/ open date XXXX. I haven't received any verified assignment contracts, names, company numbers or anything, Please remove immediately. I would like all verifying information be sent to me on paper and not in an email. I would like an updated TransUnion credit report once items are removed please. I have filed complaints and still haven't seen any results. Please remove immediately, they haven't given me the information for validating these items and they've had their XXXX grace day period. I was subjected to a XXXX XXXX from Transunion and have suffered damages and my information was compromised by them. I need this fixed immediately

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 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: NC

Complaint narrative:
Dear Sir/Madam, I am writing to dispute certain information in my credit report from Equifax. The following accounts are being reported inaccurately, and I request that they be investigated and corrected in accordance with the Fair Credit Reporting Act ( FCRA ). 

Charged-Off Accounts : XXXX XXXX XXXXXXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$580.00} Issue : Please confirm the charged-off status of this account. 

XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} Issue : Account is incorrectly charged off. Please correct. 

XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$810.00} Issue : Discrepancy in charge-off reporting. 

XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} Issue : Please verify the charge-off status of this account. 

XXXX XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$860.00} Issue : Incorrect status of this account. 

XXXX XXXX  Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1000.00} Issue : This account is inaccurately reported as charged off. 

XXXX XXXX  XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$1500.00} Issue : Discrepancy in reporting status. 

XXXX Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$810.00} Issue : Incorrect reporting of charge-off status. 

ONEMAIN Account Number : XXXX Date Open : XX/XX/XXXX Balance : {$0.00} Issue : Account inaccurately charged off. 

Inquiries : Please remove the following inquiries, as they were made without my consent : XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX Date Open : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX XXXX XXXX XXXX  Date Open : XX/XX/XXXXXXXX XXXX XXXX XXXX Date Open : XX/XX/XXXX Late Payment : XXXX Account Number : XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-11-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
Debt Validation & Removal Request Letter From : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX XX/XX/year> To : Consumer Financial Protection Bureau ( CFPB ) and XXXX XXXX XXXX  [ and/or Collection Agency Name if applicable ] RE : Dispute & Debt Validation Request for Collection Reported by XXXX XXXX XXXX To whom it may concern, My name is XXXX XXXX XXXX and I am formally disputing the alleged debt being reported by XXXX XXXX XXXXXXXX XXXX I am requesting full validation of this debt under the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C. 1692g ( b ). I do not acknowledge this debt as valid, and all collection activity must cease until proper validation is provided. 

I am requesting the following documentation : 1. Proof that I owe the debt, including : A copy of the original lease agreement with my signature A complete move-out statement and itemized list of charges A detailed breakdown of the balance and how it was calculated Copies of any inspection reports, invoices, fees, or alleged damages 2. Proof that XXXX XXXX XXXX  or any collection agency currently involved has legal authority to collect, including : Documentation showing transfer, assignment, or ownership of the debt Proof of authorization and licensing to collect in my state 3. Verification of the accuracy of the debt, including : Dates the charges were incurred Date of last activity on the account Confirmation that the debt is within the statute of limitations 4. Complete payment and account history, including : All payments made All fees added Any adjustments or corrections Until proper validation is provided, this debt must be marked as disputed with all credit reporting agencies as required by the Fair Credit Reporting Act ( FCRA ). 

If XXXX XXXX XXXX  or the collector is unable to validate the debt with the required documentation, I am requesting the immediate removal of the collection from all credit bureaus and written confirmation that the account has been closed and resolved. 

Please provide the requested information within 30 days of receiving this letter. If not, I will pursue further action through the CFPB and any other applicable regulatory agencies. 

Thank you for your cooperation. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-11-18 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, XXXX XXXX, am submitting this complaint and request assistance from the CFPB regarding issues with my credit report. Upon reviewing my credit report, I discovered multiple accounts that I do not recognize. I later learned that my personal information was exposed during an XXXX  data breach. 

As a result of this breach, my Social Security number and identity have been compromised, leading to unauthorized activity on my credit file. I have already reported this incident to the Federal Trade Commission, and the associated FTC Report Number is 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 2025-11-18 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: PA

Complaint narrative:
Account # : XXXX ( XXXX XXXX  Bank ) This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), as this account has not been fully or properly verified, nor have the legal standards for its reporting been met. 
XXXX. 15 U.S.C. 1681 Section 602 ( a ) : Right to Privacy The law establishes that I have the right to have my personal and credit information handled with strict privacy. 
XXXX. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Written Authorization A credit reporting agency XXXX not report information or create an account on my credit file without my written authorization, which does not exist in this case. 
XXXX. 15 U.S.C. 1681e ( b ) : Obligation of Maximum Possible Accuracy Credit reporting agencies must ensure that all information is accurate, verifiable, and complete. 
The referenced account does not meet this standard. 
XXXX. 15 U.S.C. 1681i : Reinvestigation of Disputed Information When an account is disputed, the agency is required to conduct a reasonable reinvestigation. 
If the information can not be verified, it must be deleted immediately, which applies here. 
XXXX. 15 U.S.C. 1681c : Information That Can not Be Reported The FCRA limits the type of information that can appear on a credit report. 
If this account is obsolete, incorrect, or does not meet legal criteria, it is not reportable. 
XXXX. 15 U.S.C. 1681s-2 ( a ) : Responsibility of Information Furnishers The furnisher that reported this account to the agency is required to ensure that the information is : accurate complete verifiable These obligations have not been met. 
XXXX. 15 U.S.C. 1681b : Permissible Purposes My credit information XXXX only be used or reported for a legally valid permissible purpose. 
This account was reported without a permissible purpose and without my authorization. 

Based on all the legal provisions listed above, I demand the immediate and permanent deletion of Account # XXXX from my credit history, as its reporting constitutes a direct violation of my rights under the FCRA. 

I also request written confirmation once the account has been removed, as required by law. 

Thank you for your prompt attention.

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 2025-11-18 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: PA

Complaint narrative:
Account # : XXXX ( XXXX XXXX  Bank ) This request is made pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), as this account has not been fully or properly verified, nor have the legal standards for its reporting been met. 
XXXX. 15 U.S.C. 1681 Section 602 ( a ) : Right to Privacy The law establishes that I have the right to have my personal and credit information handled with strict privacy. 
XXXX. 15 U.S.C. 1681 Section 604 ( a ) ( 2 ) : Written Authorization A credit reporting agency XXXX not report information or create an account on my credit file without my written authorization, which does not exist in this case. 
XXXX. 15 U.S.C. 1681e ( b ) : Obligation of Maximum Possible Accuracy Credit reporting agencies must ensure that all information is accurate, verifiable, and complete. 
The referenced account does not meet this standard. 
XXXX. 15 U.S.C. 1681i : Reinvestigation of Disputed Information When an account is disputed, the agency is required to conduct a reasonable reinvestigation. 
If the information can not be verified, it must be deleted immediately, which applies here. 
XXXX. 15 U.S.C. 1681c : Information That Can not Be Reported The FCRA limits the type of information that can appear on a credit report. 
If this account is obsolete, incorrect, or does not meet legal criteria, it is not reportable. 
XXXX. 15 U.S.C. 1681s-2 ( a ) : Responsibility of Information Furnishers The furnisher that reported this account to the agency is required to ensure that the information is : accurate complete verifiable These obligations have not been met. 
XXXX. 15 U.S.C. 1681b : Permissible Purposes My credit information XXXX only be used or reported for a legally valid permissible purpose. 
This account was reported without a permissible purpose and without my authorization. 

Based on all the legal provisions listed above, I demand the immediate and permanent deletion of Account # XXXX from my credit history, as its reporting constitutes a direct violation of my rights under the FCRA. 

I also request written confirmation once the account has been removed, as required by law. 

Thank you for your prompt attention.

Company response to consumer: Closed with non-monetary relief