vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-02-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
XXXX and their attorneys filed a garnishment affidavit on XX/XX/XXXX without my knowledge of any kind of a court date never served any kind of papers they took {$12000.00}. I was left stranded in XXXX. 
This money is from my Social Security and my deceased husbands pension. The debt was from XXXX. I have not had any contact with this company that I can recall if I had it would have been XXXX to XXXX  years ago. I contacted XXXX and asked for proof that this was my debt have received nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: FL

Complaint narrative:
I have recently obtained a copy of my credit reports and noticed several inaccuracies and unauthorized accounts and/or information that has been reported on my credit. These inaccuracies and unauthorized accounts have been very detrimental to me and will continue to be to my future and credit health.

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 2025-02-28 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: FL

Complaint narrative:
I have recently obtained a copy of my credit reports and noticed several inaccuracies and unauthorized accounts and/or information that has been reported on my credit. These inaccuracies and unauthorized accounts have been very detrimental to me and will continue to be to my future and credit health.

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 2025-02-28 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: Portfolio Recovery Associates, LLC
State: TX

Complaint narrative:
XXXX filed an Identity Theft Report with the Federal Trade Commission XXXX FTC ) and submitted the necessary paperwork to prove that I did not authorize this account. XXXX disputed the fraudulent account with XXXX on [ Date ], requesting that they remove the account as required by 15 U.S.C. 1681c-2 ( FCRA ). 
XXXX also requested that XXXX investigate how this fraudulent account was added to my credit report and provide documentation on the verification process. 
-Despite these actions, XXXX has not resolved the issue or removed the account from my report. 
Legal Basis and Compensation -15 U.S.C. 1681c-2 Under the Fair Credit Reporting Act ( FCRA ), I have the right to request that fraudulent accounts be removed from my credit report.

-15 U.S.C. 1681XXXX If XXXX fails to investigate or correct the inaccurate information, they are in violation of the FCRA.

-15 U.S.C. 1681n I am entitled to statutory damages of {$100.00} - {$1000.00} per violation, along with punitive damages and attorneys fees if XXXX willfully violated my rights.

-15 U.S.C. 1681o I am entitled to actual damages for negligent violations of the FCRA, including emotional distress and financial hardship.

-15 U.S.C. 1681b, 1681q, & 1681r I believe my personal information was sold or shared without my consent. This is a violation of federal law, and I am entitled to compensation for the unauthorized disclosure and misuse of my data. 
As a result of these violations, I am requesting that XXXX immediately remove the fraudulent account, provide me with documentation on the investigation process, and compensate me for damages under 15 U.S.C. 1681n & 1681o for the harm caused by this incident, including financial losses, emotional distress, and denial of credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX and Equifax credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of : LIST OF ITEMS TO BE REMOVED XXXX XXXXL ( Original Creditor : XXXX XXXX XXXXXXXX XXXX XXXX XXXX  XXXX BALANCED {$300.00} XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX BALANCED {$440.00} XXXX XXXXL ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ) XXXX BALANCED {$77.00} XXXX ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX BALANCED {$360.00} XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$670.00} XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX BALANCED {$140.00} XXXX XXXX ( Original Creditor : XXXX XXXX ) XXXX BALANCED {$0.00} XXXX  XXXX BALANCED {$11000.00} XXXX XXXXXXXX BALANCED {$100.00} XXXX XXXX XXXX XXXXXXXX BALANCED {$1600.00} XXXX  XXXX XXXXXXXX XXXX XXXX XXXXXX/XX/year> XXXX XXXX BALANCED {$420.00} XXXX XXXX XXXXXX/XX/year> These Items have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: Westlake Services, LLC
State: IL

Complaint narrative:
This is NOT A DISPUTE. I believe the information being reported to be inaccurate. 
WESTLAKE FINANCIAL SVC ( Original Creditor : WFS ) XXXX Balance {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: NY

Complaint narrative:
I recently conducted a review of my credit report and found several items that have caused me significant distress. These items appear to be unverifiable, inaccurate, and questionable. Your agency has failed to ensure the accuracy of the information as required under 15 U.S. Code 1681e ( b ) Accuracy of Reports. This statute mandates that consumer reporting agencies must follow reasonable procedures to ensure the maximum possible accuracy of the information they report. Furthermore, under 15 U.S. Code 1681i ( 5
) Treatment of Inaccurate or Unverifiable Information, you are required to promptly delete or modify any information found to be inaccurate, incomplete, or unverifiable during a reinvestigation. If you are unable to provide me with verifiable proof of the accuracy of the disputed items within 15 days of your investigation, these accounts and the related information must be removed from my credit report. 
Additionally, under the Fair Debt Collection Practices Act ( FDCPA ), I do not recognize any of the alleged creditors or debt collectors. I have never entered into a valid contract with any of these entities, nor have I engaged in any transactions with them. As such, these accounts are fraudulent and and inaccurate information.

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 2025-02-28 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:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$690.00} XXXX  XXXX XXXX XXXX : {$880.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance XXXX {$5600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$5600.00} XXXX XX/XX/XXXX XXXX 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 2025-02-28 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 am a victim of identity theft. There is fraudulent names, addresses and accounts listed on my credit report. My name is XXXX XXXX and my only address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: TN

Complaint narrative:
I am writing to formally dispute inaccuracies on my credit report related to identity theft and I'd like to emphasize that I am the XXXX submitting this complaint and there is no third party involved.. I submitted my initial dispute on XX/XX/XXXX, along with a Federal Trade Commission ( FTC ) Identity Theft Report and additional documentation supporting my claim. However, your agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). Violations of the FCRA 1.Failure to Conduct a Reasonable Investigation ( 15 U.S.C. 1681i ( a ) ( 1 ) ) Under the FCRA, credit reporting agencies are required to conduct a reasonable investigation upon receiving a dispute. Despite providing a comprehensive FTC Identity Theft Report and detailed supporting evidence, I have not received confirmation of any substantive investigation into the disputed items.

2.Failure to Notify Me of Investigation Results ( 15 U.S.C. 1681i ( a ) ( 6 ) ) The FCRA mandates that consumers be notified of the results of an investigation within 30 days of submitting a dispute. To date, I have not received any such notification, nor have I been informed of the outcome of your review or the process by which my dispute was evaluated.

3.Failure to Block Inaccurate Information Promptly ( 15 U.S.C. 1681c-2 ) The FCRA requires credit reporting agencies to block information resulting from identity theft upon receipt of appropriate documentation, such as an FTC Identity Theft Report. This has not occurred in my case. 

Precedent Cases Supporting My Position Your failure to comply with FCRA requirements is not only a violation of my rights but also exposes your agency to liability, as demonstrated in precedent cases : XXXX XXXX XXXX XXXX ( XXXX ) : This case emphasized that credit reporting agencies have a duty to conduct reasonable investigations beyond relying on the data provided by furnishers. 
XXXX v. XXXX XXXX ( XXXX ) : The Supreme Court upheld consumer rights in disputes related to credit reporting inaccuracies, reinforcing the accountability of credit bureaus under the FCRA.

Requested Resolution To resolve this matter, I demand the following actions : 1.Conduct a reasonable and thorough reinvestigation of the disputed accounts and transactions associated with my identity theft.

2.Provide a detailed written summary of your investigation, including the steps taken and evidence reviewed.

3.Immediately block or remove all inaccurate information resulting from the identity theft. 

If this matter is not resolved promptly, I will have no choice but to escalate my complaint by filing with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and potentially pursuing legal remedies. 

XXXX XXXXXXXX XXXX XXXX XXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: AL

Complaint narrative:
I asked Experian to delete or correct the status of my account with XXXX XXXX XXXX. They failed to investigate and sent a generic response that its not the same account when in fact the number on the proof of paid in full and the number in my credit report are one and the same. They did nothing to properly investigate and are refusing to correct my report in accordance with the law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-02-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The XXXX credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following account need to investigate and correct for erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXXXXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$690.00} XXXX  XXXX XXXX XXXX : {$880.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX  XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance XXXX {$5600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX  XXXX XXXX Balance : {$2000.00} XXXX XXXX XXXX Balance : {$1000.00} XXXX  XXXX XXXX : {$2000.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX XXXX XXXX : {$0.00} XXXX XXXX Balance : {$5600.00} XXXX XX/XX/XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-02-28 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: NY

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

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 2025-02-28 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: NY

Complaint narrative:
I have discovered that my personal information was used without my authorization to open accounts and conduct transactions that I did not initiate. I strongly assert that these accounts and transactions are fraudulent, resulting from identity theft or fraud. Despite promptly reporting this issue to the appropriate authorities and the involved companies, the matter remains unresolved, and the fraudulent accounts and charges persist on my credit report.

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 2025-02-28 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: NC

Complaint narrative:
I want to be unequivocally clear : this tradeline is not reported in accordance with the FCRA guidelines, which require that all information on a credit report be accurate and complete. This entry does not accurately represent my financial history and is in violation of the law. By failing to report this tradeline with maximum possible accuracy, you are causing harm to my credit report, which in turn negatively impacts my credit score and financial standing.

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 2025-02-28 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: TX

Complaint narrative:
I reviewed my credit report and noticed that the account for XXXX XXXX XXXX XXXX  is still being reported, despite my multiple prior disputes. This account has been deleted and re-reported on my credit report at least four times, which is a clear violation of federal law.

According to 15 USC 1681i ( 5 ), you are required to : Immediately delete or modify any information that is found to be inaccurate, incomplete, or unverifiable during the reinvestigation process.

Notify the information provider that the information has been modified or deleted.

Additionally, under 15 USC 1681e ( b ), Experian must follow reasonable procedures to ensure the maximum possible accuracy of information in consumer reports.

15 USC 1681s-2 clearly states that an information provider must not report information if they know or have reason to believe it is inaccurate. If a consumer has notified the provider about the inaccuracy of certain information and it turns out to be inaccurate, the provider must not continue reporting it. 

Inaccuracies in the XXXX XXXX XXXX XXXX account : The account was supposedly repossessed with only 30 days of late payment, which is highly unusual and goes against standard industry practices. Additionally, a proper repossession process under the Uniform Commercial Code ( UCC ) was not followed. 

This account was opened on XX/XX/year>, a date when I did not reside in the United States, which suggests a possible case of identity theft. 

The company XXXX XXXX XXXX LL is listed as a scam and has not responded to any of my verification requests, nor has it provided evidence or required verification methods in any of the times I attempted to contact them. 

I firmly and immediately request that this account be permanently deleted from my credit report and blocked from being reported again, in accordance with 15 USC 1681c-2, which establishes the right to block information in cases of identity theft. 

I demand that any attempt to re-report this account be accompanied, as required by law, by prior notice and a valid method of verification by both companies involved. Any further non-compliance could result in legal action to protect my consumer rights. 

I look forward to a detailed response regarding the actions taken 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 explanation
Consumer complaint received 2025-02-28 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: GA

Complaint narrative:
I am filing a complaint against Equifax, Transunion & Experian for failing to properly investigate my disputes regarding inaccuracies in my credit report.

Despite my submissions, Equifax consistently responds within 24 hours stating the account is accurate, without providing any evidence of a thorough investigation.

This practice violates the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, which mandates a reasonable investigation of disputes. Furthermore, Equifax 's actions may also contravene the Consumer Financial Protection Act ( CFPA ), 12 U.S.C.

5536 ( a ) ( 1 ) ( A ) - ( B ), as highlighted in the CFPB 's recent administrative proceeding ( File No. 2025-CFPB-0002 ) against them for similar violations. I request that the CFPB take action to ensure Equifax complies with federal law and provides consumers with the necessary proof of investigation. 
The accounts below are which I am referencing : 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