vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
The information that they are providing is wrong the name on the bill that the company LVNV is trying to charge me is not mine nor is my name, XXXX XXXX is not my full name, never own a credit card one in the past specially that year summer XXXX when the covid-19 and I didn't work I'm a disable person and I don't work like a normal person do therefore I don't have income to prove to the Credit Card Company that I work and I have good credit, I have only XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  is nearly impossible for a company accept me and my XXXX XXXX XXXXXXXX XXXX 
I just don't see it possible me not having income not having a job not having credit! it doesn't make sense! Right now for the past 3 years I have a XXXX XXXX XXXX Credit Card & XXXX XXXX XXXX Credit Card and i'm super happy with those Credit Cards .

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the 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.

I am submitting this FTC Identity Theft Affidavit to report five fraudulent accounts on my FICO Equifax credit report that I do not recognize. These accounts are the result of identity theft and fraud. The fraudulent accounts include a secured credit card opened at XXXX XXXX  on XX/XX/XXXX ( account number XXXXXXXX XXXX XXXX XXXX XXXX, an auto loan at XXXX opened on XX/XX/XXXX ( account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  a secured loan at XXXX XXXX  opened on XX/XX/XXXX ( account number XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, and XXXX educational accounts at XXXX opened on XX/XX/XXXX, and XX/XX/XXXX ( account numbers XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  respectively ). These accounts have led to multiple fraudulent hard inquiries and collections on my credit report. I request the immediate removal of these fraudulent items from my credit reports and that all collection activities related to them cease, in accordance with my rights under the FCRA and FDCPA laws All accounts above, collections, late payments, and charge-offs result from identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX 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. I demand that the fraudulent items be removed from my consumer credit report and that all collection activity related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: GA

Complaint narrative:
I am writing to EXPERIAN to formally dispute multiple accounts listed on my credit report due to inaccurate, unverified, and potentially fraudulent information. The accounts in question are as follows XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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, Balance : {$35000.00} ). I believe that the balances and opening dates of these accounts may be incorrect or unverified, and I request a full investigation into their accuracy. If these accounts can not be verified or substantiated with proper documentation from the respective creditors, I request that they be removed from my credit file, as required under FCRA Section 609 ( 15 U.S.C.

1681g ), which mandates that consumer reporting agencies provide accurate and complete information. Under the Fair Credit Reporting Act ( FCRA ), specifically Section 607 ( 15 U.S.C. 1681e ), I am entitled to dispute inaccurate or incomplete information and request that you investigate it. Additionally, under Section 611 ( 15 U.S.C. 1681i ), the consumer reporting agency is obligated to complete the investigation within 30 days, and if the disputed information can not be verified, it must be removed or corrected. I request that you provide evidence of verification from the creditors or remove any unverifiable information as stipulated by the FCRA. If no action is taken within this timeframe, I will be compelled to escalate the matter to the Consumer Financial Protection Bureau ( CFPB ) and other relevant regulatory bodies. Also I request for the deletions of these unauthorized inquiries : List of Fraudulent accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX Never authorized Thank you for your attention to this matter, and I look forward to your prompt resolution.

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 2025-06-03 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: SC

Complaint narrative:
After reviewing my credit report I notice that I have fraudulent accounts listed on my report. The negative collections are hurting my ability to obtain new credit. Please delete the fraudulent collections from 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 2025-06-03 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: AL

Complaint narrative:
I am writing in response to your items reporting on my credit report regarding an alleged debt that you claim I owe. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide proper validation of this debt.

Please provide the following : 1. The amount of the debt ; 2. The name of the original creditor ; 3. A detailed statement or copy of any judgment.

4. Documentation showing that you have the legal right to collect this debt ; 5. A copy of the original contract or agreement bearing my signature.

6. Proof that the statute of limitations has not expired.

Please be advised that until this debt is properly validated, you must cease all collection activities, including reporting this debt to credit reporting agencies. Any further collection activity without validation of the debt may be considered a violation of the FDCPA. 

This letter is not an acknowledgment of the validity or ownership of the alleged debt. I request that all future communications be in writing only.

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 2025-06-03 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: AL

Complaint narrative:
I am writing in response to your items reporting on my credit report regarding an alleged debt that you claim I owe. Under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I am requesting that you provide proper validation of this debt.

Please provide the following : 1. The amount of the debt ; 2. The name of the original creditor ; 3. A detailed statement or copy of any judgment.

4. Documentation showing that you have the legal right to collect this debt ; 5. A copy of the original contract or agreement bearing my signature.

6. Proof that the statute of limitations has not expired.

Please be advised that until this debt is properly validated, you must cease all collection activities, including reporting this debt to credit reporting agencies. Any further collection activity without validation of the debt may be considered a violation of the FDCPA. 

This letter is not an acknowledgment of the validity or ownership of the alleged debt. I request that all future communications be in writing only.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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 submitted identity theft dispute packets to TransUnion, Experian, and Equifax under FCRA 605B, supported by a notarized affidavit of fact, an FTC Identity Theft Report ( filed XX/XX/year>2025 ), and proof that I was impacted by the Equifax Data Breach ( Engagement ID : XXXX ). My credit reports contain accounts, public records, and inquiries that are unrecognizable, unverifiable, and inconsistent across all three bureaus. 

The disputed items include : Fraudulent tradelines ( e.g., XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX ) False mortgage/deed records from XXXX XXXX XXXXXXXX XXXX XXXX Inquiries without permissible purpose ( e.g., XXXX, XXXXXXXX XXXX  ) Personal data inaccuracies ( name, address, employer ) I mailed full identity theft dispute packets via Certified Mail with Return Receipt to each bureau and have not received a response or legally compliant reinvestigation or deletion. These are violations of FCRA 605B, 609 ( a ), 1681e ( b ), 1681b ( f ), XXXX XXXX Format, TILA 1026.13, and UCC 3-501.

I am now requesting CFPB enforcement to ensure immediate compliance.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I submitted identity theft dispute packets to TransUnion, Experian, and Equifax under FCRA 605B, supported by a notarized affidavit of fact, an FTC Identity Theft Report ( filed XX/XX/year>2025 ), and proof that I was impacted by the Equifax Data Breach ( Engagement ID : XXXX ). My credit reports contain accounts, public records, and inquiries that are unrecognizable, unverifiable, and inconsistent across all three bureaus. 

The disputed items include : Fraudulent tradelines ( e.g., XXXX  XXXX, XXXX XXXX, XXXX XXXX XXXX ) False mortgage/deed records from XXXX XXXX XXXXXXXX XXXX XXXX Inquiries without permissible purpose ( e.g., XXXX, XXXXXXXX XXXX  ) Personal data inaccuracies ( name, address, employer ) I mailed full identity theft dispute packets via Certified Mail with Return Receipt to each bureau and have not received a response or legally compliant reinvestigation or deletion. These are violations of FCRA 605B, 609 ( a ), 1681e ( b ), 1681b ( f ), XXXX XXXX Format, TILA 1026.13, and UCC 3-501.

I am now requesting CFPB enforcement to ensure immediate compliance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-03 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: NJ

Complaint narrative:
I did not authorize these inquiries and have no knowledge of any application for credit with the associated entities. I believe these may be the result of identity theft or fraudulent activity. According to the Fair Credit Reporting Act ( FCRA ), only inquiries made with my written authorization or in connection with a permissible purpose should appear on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
On XX/XX/XXXX, I discovered a suspicious, unauthorized charge on my Citi credit card statement originating from a location outside the country. I promptly contacted Citibank to report the issue and requested a replacement card. However, after a significant delay and without any prior notice, my account was unexpectedly closed. 

I followed up with Citibank multiple times and escalated the matter to line management, seeking a valid explanation. I was eventually informed that a replacement card would not be issued and that my account was being closed due to an alleged bankruptcy filing or charge-off associated with another Citibank-issued credit card. This claim is completely false.

To refute this, I submitted a letter along with my credit report, which shows an excellent credit score and no history of bankruptcy. Despite this, Citibank disregarded the facts and proceeded to close my account. This situation has caused me significant frustration and financial loss. 

Specifically, I lost {$220.00} in reward points that I had claimed in XXXX. Furthermore, since XX/XX/XXXX, I have been unable to use my Citi credit card at XXXX. As a result, I missed out on earning cash back rewards, especially with my XXXX membership active until XX/XX/XXXX. I frequently shop at XXXX and fuel up at XXXX gas stations, and during this period, I was unable to earn any of the rewards I would have otherwise accumulatedan additional estimated loss of {$200.00} to {$300.00}. Due to these losses, I ultimately canceled my XXXX membership. 

Several months later, I attempted to reopen my Citi credit card account out of frustration over the missed opportunity to save money, but my attempt was unsuccessful. 

I am requesting a thorough review and resolution of this issue. Citibank closed my account based on incorrect information, and I would appreciate your attention and assistance in addressing this matter appropriately.

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 monetary relief
Consumer complaint received 2025-06-03 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: NY

Complaint narrative:
Recently, I did an investigation on my credit report and found several items on there to be inaccurate.

Under 15 U.S. Code 1681e ( b ) Accuracy of report Whenever a consumer reporting agency generates a consumer report, it must follow reasonable procedures to ensure the maximum possible accuracy of the information related to the individual to whom the report pertains.

15 U.S. Code 1681i ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general if, following a reinvestigation under paragraph ( 1 ) of any disputed information by a consumer, an item is determined to be inaccurate, incomplete, or unverifiable, the consumer reporting agency must ( i ) promptly delete the disputed item from the consumer 's file, or appropriately modify the information based on the reinvestigation results; and ( ii ) promptly inform the furnisher of the information that the item has been modified or deleted from the consumer 's file. 

Please remove the following items from my credit report immediately : 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 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently received my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report from XXXX XXXX XXXX XXXX XXXX XXXX and XXXXXXXX XXXX these remarks have been detrimental to my life 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 non-monetary relief
Consumer complaint received 2025-06-03 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: GA

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 non-monetary relief
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
LVNV FUNDING LLC has violated my rights as a consumer and failed to properly investigate the inaccurate and incomplete information I disputed and they continued to collect on the debt while it was in dispute. They have violated 15 usc 1681s-2b for failure to conduct a proper investigation and considering all relevant information regarding the dispute. If this is not removed from my credit report I plan on taking them to arbitration using the original creditors agreement since I have the right to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
MIDLAND CREDIT MANAGEMENT has violated my rights as a consumer and failed to properly investigate the inaccurate and incomplete information I disputed and they continued to collect on the debt while it was in dispute. They have violated 15 usc 1681s-2b for failure to conduct a proper investigation and considering all relevant information regarding the dispute. If this is not removed from my credit report I plan on taking them to arbitration using the original creditors agreement since I have the right to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-03 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: NC

Complaint narrative:
I am submitting a complaint about fraudulent information on my credit report resulting from identity theft. I submitted a block and delete request to Transunion under 15 USC 1681c-2, including my FTC identity report, despite the legal requirement to remove them within four business days. Please find attached my dispute letter, FTC Identity Theft Report, and supporting documentation.

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 2025-06-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: FL

Complaint narrative:
This is a supplemental request. Despite providing my FTC Identity Theft Report, official incarceration records, and detailed explanation,

Bull City Financial continues to verify a debt that is not mine. Their response ignored key evidence and shifted blame by requesting redundant documents already submitted. I was incarcerated during the time this account was allegedly opened and have no ability to authorize or manage accounts during that period. Their continued reporting and failure to remove this debt is a violation of the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681s2 ( b ). 

I am experiencing ongoing credit denials, emotional distress, and reputational harm, and I intend to pursue this under FCRA in small claims or federal court if not resolved. I request the CFPB reopen this complaint, escalate it to supervisory review, and require full deletion of the account from my credit reports.

Company response to consumer: Closed with explanation