vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-23 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: NC

Complaint narrative:
RE : Request for Debt Validation To Whom It May Concern, I am writing in response to a checking my credit online XX/XX/year> regarding an alleged debt referenced as : Please be advised that I am requesting validation of this debt, as is my right under the Fair Debt Collection Practices Act, 15 U.S.C. 1692g. I do not acknowledge any debt to your organization at this time. Pursuant to my rights, please provide the following : The amount of the debt ; The name of the original creditor ; A complete accounting and breakdown of the amount claimed ; A copy of any agreement bearing my signature showing that I agreed to assume this debt ; Verification that your company is licensed to collect debts in my state, including your license number ; The chain of custody of the debt, including when and how it was transferred to your organization. 

Until this information is provided, I request that you cease all collection activities, including reporting this debt to any credit bureaus, as doing so without proper validation is a violation of the FDCPA. 
If this debt is valid, I am willing to discuss it further. However, I will not communicate further until I receive the requested documentation. 
Thank you for your attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 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:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: FL

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

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 2025-04-22 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: FL

Complaint narrative:
I need to stress that this complaint isn't a mistake. My credit report has inaccuracies that aren't assured to be the maximum possible accuracy. These errors are really weighing on me and is continuing to affect me negatively in ways you can not begin to imagine, these are trying times and it would be a great help to me, a blessing I must say, if these inaccuracies get corrected and/or removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-22 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: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I am writing to formally dispute the following credit inquiries listed on my Experian credit report dated XX/XX/XXXX2025. Upon careful review, I have identified several inquiries that I do not recognize or authorize. These inquiries may negatively affect my credit profile, and I am requesting that they be blocked from my credit file in accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681c2.

Under this law, I have the right to request the blocking of information resulting from identity theft or unauthorized use of my information. The inquiries listed below fall into this category : ________________________________________ Disputed Hard Inquiries : 1. XXXXXXXX XXXX  XXXX Inquired on XX/XX/XXXX 2. XXXX XXXX XXXX Inquired on XX/XX/XXXX 3. XXXX XXXX Inquired on XX/XX/XXXX 4. XXXX XXXX Inquired on 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 2025-04-23 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: TX

Complaint narrative:
I carefully review my credit report to ensure the accuracy of my accounts, and I have never been late on a payment. Its possible that there is an error in the 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 non-monetary relief
Consumer complaint received 2025-04-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: KY

Complaint narrative:
XX/XX/year>. I was attempting to purchase a phone on XXXX XXXX XXXX  store website. In the input payment section there was an offer claiming {$200.00} statement credit when spending {$1000.00}. Since I was about to make a XXXX purchase this offer with instant approval decision was appealing. I clicked the promo was directed to the Citi application, was instantly approved for an XXXX XXXX XXXX Citi card, and linked back to my cart on att.com. I input the immediate avail credit card info and the att site displayed unable to verify. I rechecked and reentered the info again unable to verify. I then opened a chat asst on XXXX to asst with purchase. The chat asst informed me this offer/card could not be used online only in store. I contacted Citi in response to this and the subsequent request to cancel the card as it can not be used as represented and was told I could not stop the application since it was instant approval I will have to call back in 4 days to close the account. 
This bait and switch, misrepresented promotion will cause a hard enquiry, new acct, soon to be closed acct, & disparity in avail credit reading on my credit report that will negatively impact my credit score because XXXX XXXX XXXX XXXX CITI are knowingly misleading consumers by placing this promotion offer IN not before IN the checkout process when the promo can not be accessed/used in that purchase.

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 2025-04-23 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: AZ

Complaint narrative:
The removal of these unauthorized fraudulent Inquires from my credit report. Down below I have listed the inquires and charges that have been inaccurately reported on my credit report. 

XXXX : XXXX XXXX XXXX XXXXXXXX XX/XX/year> XXXX : XXXX XX/XX/year> 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 2025-04-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

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 2025-04-22 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: OH

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 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 2025-04-23 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND XXXX EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

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 2025-04-23 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: TX

Complaint narrative:
I just looked over my credit report and found some accounts that Ive never seen before and definitely didnt open. I have no idea where they came from or why theyre showing up under my name, but they dont belong to me. Its really frustrating and honestly kind of alarming to see stuff like this on my report that I had nothing to do with.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This letter serves as a formal follow-up to my previous correspondence regarding your agency 's ongoing refusal to comply with the Fair Credit Reporting Act ( FCRA ), specifically in connection with my properly filed identity theft report submitted through IdentityTheft.gov. 

To date, your agency has not provided any satisfactory justification for rejecting this report, nor have you taken the necessary steps to investigate or remove the clearly fraudulent accounts listed below from my credit file. As reiterated in my prior letter, federal lawincluding FCRA Section 605B and Section 617requires you to accept valid identity theft reports from consumers, including those submitted through the Federal Trade Commissions IdentityTheft.gov platform. Nowhere does the law require that such reports originate solely from a law enforcement agency. 

Your continued rejection of my legally sufficient identity theft affidavit is not only unsupported by federal law but also constitutes willful noncompliance with the FCRA. This failure to act in accordance with clearly established legal procedures and CFPB guidance reflects blatant disregard for my rights as a consumer and victim of identity theft. 


Let me be clear : This is your final notice. You are in violation of federal law by continuing to report and verify accounts that were opened fraudulently and which I have already disputed with appropriate documentation. 

If I do not receive confirmation within 15 calendar days that these accounts have been permanently removed and that my credit file has been updated to reflect the resolution of this matter, I will proceed to : 1.File formal complaints with the Consumer Financial Protection Bureau ( CFPB ), Federal Trade Commission ( FTC ), and my State Attorney General.

2.Initiate legal action for your violations of FCRA Section 617 and for any damages sustained as a result of your unlawful reporting and failure to investigate. 
XXXX XXXX XXXXXXXX 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 2025-04-22 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: DC

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 2025-04-22 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: DC

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 2025-04-22 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: IL

Complaint narrative:
Earlier this month, I discovered that XXXX had reported my XXXX XXXX XXXX as delinquent without providing any prior notice or communication. I did not receive any emails, phone calls, or letters warning me about missed payments or a delinquency status. As a result, my credit score dropped significantlyfrom XXXX to XXXXwhich I only became aware of when I checked my credit report in early XXXX. 

Before this incident, I had consistently maintained a strong payment history across all my accounts, including credit cards and a car loan. I was completely unaware of any issue with my XXXX XXXX and would have taken immediate action had I been notified. 

After learning of the delinquency, I contacted XXXX and promptly enrolled in an XXXX XXXX XXXX to resolve the issue and prevent further problems. I am now making regular payments and working diligently to rebuild my credit. 

This unexpected negative reporting has had a serious impact on my ability to secure housing and access credit. I am requesting a thorough review of this matter and respectfully ask for a correction or removal of the delinquency due to the lack of prior notice and the absence of an opportunity to address the issue in advance.

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 2025-04-22 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: IL

Complaint narrative:
Earlier this month, I discovered that XXXX had reported my XXXX XXXX XXXX as delinquent without providing any prior notice or communication. I did not receive any emails, phone calls, or letters warning me about missed payments or a delinquency status. As a result, my credit score dropped significantlyfrom XXXX to XXXXwhich I only became aware of when I checked my credit report in early XXXX. 

Before this incident, I had consistently maintained a strong payment history across all my accounts, including credit cards and a car loan. I was completely unaware of any issue with my XXXX XXXX and would have taken immediate action had I been notified. 

After learning of the delinquency, I contacted XXXX and promptly enrolled in an XXXX XXXX XXXX to resolve the issue and prevent further problems. I am now making regular payments and working diligently to rebuild my credit. 

This unexpected negative reporting has had a serious impact on my ability to secure housing and access credit. I am requesting a thorough review of this matter and respectfully ask for a correction or removal of the delinquency due to the lack of prior notice and the absence of an opportunity to address the issue in advance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-22 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: IL

Complaint narrative:
Earlier this month, I discovered that XXXX had reported my XXXX XXXX XXXX as delinquent without providing any prior notice or communication. I did not receive any emails, phone calls, or letters warning me about missed payments or a delinquency status. As a result, my credit score dropped significantlyfrom XXXX to XXXXwhich I only became aware of when I checked my credit report in early XXXX. 

Before this incident, I had consistently maintained a strong payment history across all my accounts, including credit cards and a car loan. I was completely unaware of any issue with my student loans and would have taken immediate action had I been notified. 

After learning of the delinquency, I contacted XXXX and promptly enrolled in an XXXX XXXX XXXX to resolve the issue and prevent further problems. I am now making regular payments and working diligently to rebuild my credit. 

This unexpected negative reporting has had a serious impact on my ability to secure housing and access credit. I am requesting a thorough review of this matter and respectfully ask for a correction or removal of the delinquency due to the lack of prior notice and the absence of an opportunity to address the issue in advance.

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 2025-04-22 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: NC

Complaint narrative:
Recently, I conducted a personal investigation of my credit report and found items that are inaccurate and damaging to my credit profilemost notably, an account reported by XXXX XXXX as listed on my Equifax report. 

Under 15 U.S. Code 1681e ( b ) Accuracy of Report, whenever a consumer reporting agency prepares a consumer report, it is required to follow reasonable procedures to assure maximum possible accuracy of the information relating to the individual.

Additionally, under 15 U.S. Code 1681i ( 5 ) ( A ) Treatment of Inaccurate or Unverifiable Information, if a reinvestigation of any disputed information reveals that the information is inaccurate, incomplete, or can not be verified, the consumer reporting agency must : Promptly delete the item of information from the file of the consumer, or modify it based on the results of the reinvestigation ; and Promptly notify the furnisher of the information that the item has been deleted or modified. 

Equifax has failed to uphold these obligations. Despite my formal dispute, they continue to report this account without providing proof of verification or completion of a reasonable investigation, in clear violation of the FCRA. 

Please remove this account from my credit report, immidiately.

Company response to consumer: Closed with explanation