vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am filing a formal complaint against Experian regarding their willful and negligent refusal to remove fraudulent, inaccurate, and unverified information from my credit report-despite receiving all required documentation. Experian closed the CFPB report from XX/XX/year> and did not provide the investigation details or information from the furnisher along with the supporting documents and the 1099.

Over the past 90+ days, I have submitted the following to Experian via certified mail : An FTC Identity Theft Report ( Identity Theft.gov ) An official IRS letter confirming identity fraud A police report regarding stolen identity Copies of my Social Security Card , Birth Certificate, and NYS ID Proof of address ( utility mail and lease ) My written disputes outlining over 20 fraudulent names, 10+ unknown phone numbers, multiple unauthorized employers, and accoun
ts tied to a Social Security Number that is not mine Despite receiving all of this, Experian has repeatedly responded by mail and email falsely claiming that " I '' provided the disputed data and therefore they will not remove it. This is both factually and legally incorrect. I did not authorize Experian to place this data on my report, nor did I ever report these fraudulent accounts, names, or employers.

Experian is in violation of the following : FCRA 611 ( 15 U.S.C. 1681i ) : Failure to properly reinvestigate FCRA 605B ( 15 U.S.C. 1681c-2 ) : Failure to block identity theft-related information FCRA 623 ( 15 U.S.C. 1681s-2 ) : Reporting inaccurate information knowingly Section 5 of the FTC Act : Engaging in deceptive business practices In addition, many of the accounts they refuse to remove have been charged off or written off, yet Experian continues to report them with full balance amounts and refuses to provide 1099-C forms- which is deceptive and damaging.

I am requesting the immediate removal of all fraudulent names, employers, phone numbers, and accounts previously reported and supported in my evidence. This includes sealing any conflicting account information that was not lawfully or willfully provided by me. 
These delays are directly harming my life, housing, and ability to provide for my XXXX child. 
Respectfully, 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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX, and I am filing a formal complaint against Experian regarding their willful and negligent refusal to remove fraudulent, inaccurate, and unverified information from my credit report-despite receiving all required documentation. Experian closed the CFPB report from XX/XX/year> and did not provide the investigation details or information from the furnisher along with the supporting documents and the 1099.

Over the past 90+ days, I have submitted the following to Experian via certified mail : An FTC Identity Theft Report ( Identity Theft.gov ) An official IRS letter confirming identity fraud A police report regarding stolen identity Copies of my Social Security Card , Birth Certificate, and NYS ID Proof of address ( utility mail and lease ) My written disputes outlining over 20 fraudulent names, 10+ unknown phone numbers, multiple unauthorized employers, and accoun
ts tied to a Social Security Number that is not mine Despite receiving all of this, Experian has repeatedly responded by mail and email falsely claiming that " I '' provided the disputed data and therefore they will not remove it. This is both factually and legally incorrect. I did not authorize Experian to place this data on my report, nor did I ever report these fraudulent accounts, names, or employers.

Experian is in violation of the following : FCRA 611 ( 15 U.S.C. 1681i ) : Failure to properly reinvestigate FCRA 605B ( 15 U.S.C. 1681c-2 ) : Failure to block identity theft-related information FCRA 623 ( 15 U.S.C. 1681s-2 ) : Reporting inaccurate information knowingly Section 5 of the FTC Act : Engaging in deceptive business practices In addition, many of the accounts they refuse to remove have been charged off or written off, yet Experian continues to report them with full balance amounts and refuses to provide 1099-C forms- which is deceptive and damaging.

I am requesting the immediate removal of all fraudulent names, employers, phone numbers, and accounts previously reported and supported in my evidence. This includes sealing any conflicting account information that was not lawfully or willfully provided by me. 
These delays are directly harming my life, housing, and ability to provide for my XXXX child. 
Respectfully, 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 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-14 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Stenger & Stenger, P.C
State: CO

Complaint narrative:
I am submitting this follow-up complaint in response to XXXX XXXX XXXX XXXX XXXX XXXX XXXX  reply to my original CFPB complaint. I strongly dispute the accuracy and completeness of their response, and I provide the following clarifications. 
XXXX. Failure to Provide Proper Validation of XXXX XXXX claims that I never disputed the alleged debt or requested validation prior to their lawsuit. This is not accurate. I disputed the alleged account and demanded full validation in accordance with the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g. To date, Velocity has not provided proper documentation, including : - A copy of the original signed contract ; - A complete account history ; and - A valid chain of assignment from the original creditor to Velocity. 
Instead, they initiated litigation through Stenger & Stenger without providing the required validation. 
XXXX. Pending Lawsuit and My XXXX XXXX law firm filed a lawsuit against me on XX/XX/year>. In response, I filed an Answer with Affirmative Defenses and XXXX on XX/XX/year>. My counterclaim includes : - Violation of the Fair Credit Reporting Act ( FCRA ) : Velocity and/or its agents reported inaccurate information to credit bureaus, failed to conduct a reasonable investigation after my disputes, and continued to report incomplete or false information. 
- Violation of the Colorado Fair Debt Collection Practices Act ( CFDCPA ) : Velocity engaged in false, deceptive, and misleading practices, including continuing collection efforts after I disputed the debt and requested validation.

- Right to Arbitration : To the extent applicable, any disputes are subject to mandatory binding arbitration under the original agreement and the Federal Arbitration Act.

My counterclaim seeks actual damages, statutory damages, and costs, as permitted under federal and state law.

3. Misrepresentation in Response to CFPB Velocitys statement to the CFPB that no prior disputes, request for validation, or any other contact from the consumer has been received is misleading. I have provided documented disputes, and I have filed formal legal pleadings asserting my rights. Their omission of these facts raises serious concerns about their compliance practices and good faith in responding to regulators.

4. Continuing Consumer Harm Because Velocity initiated litigation without first validating the debt, I am now forced to defend myself in court, incurring time, expense, and stress. Their conduct continues to harm me financially and emotionally.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: CA

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 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 pulled a copy of my credit report and noticed this account reporting that isn't mine. I did not open this account neither did I approve of anyone to open this account for me or under me. This account is hurting my credit worthiness and I am requesting that it be removed from my credit as I am in the process of purchasing a home for my family and this is hurting my credit worthiness.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
In the quiet humdrum of everyday life, a sudden jolt shattered the tranquility : I had become a victim of identity theft. Like a thief in the night, unseen hands had stolen my personal information, plunging me into a bewildering maze of uncertainty. With each fraudulent transaction and unauthorized account, the breach of trust cut deep, leaving me grappling with the unsettling reality of a violated identity. Yet, in the midst of chaos, a glimmer of resilience emerged, a resolve to reclaim what was rightfully mine and restore the harmony stolen by unseen adversaries. These are the following accounts need to be 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 explanation
Consumer complaint received 2025-08-14 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: I.C. System, Inc.
State: GA

Complaint narrative:
# # # Client Information and Resolution Request * * Client Name : * * XXXX XXXX * * Date of Birth : * * XX/XX/year> * * Address : * * XXXXXXXX XXXX XXXX XXXX XXXX, GA XXXX * * Background : * * XXXX XXXX has been denied credit due to being a victim of identity theft. As a result of false reporting on his credit report, he is currently experiencing significant financial distress.

* * Issues Identified : * * - * * Identity Theft : * * False information on credit report due to identity theft.

- * * Credit Denial : * * Denial of credit applications as a result of inaccurate credit reporting.

- * * Financial Harm : * * Suffering due to adverse effects on creditworthiness and financial opportunities. 

* * Desired Resolution : * * XXXX XXXX seeks to resolve the issues stemming from false reporting on his credit report. Specifically, he desires the following : 1. * * Immediate Investigation : * * Initiate an investigation into the inaccuracies reported on his credit report due to identity theft.

2. * * Correction of Information : * * Request that all false information related to identity theft be removed from his credit report to reflect accurate credit history.

3. * * Prevent Further Reporting : * * Take necessary actions to ensure that no further false information is reported in the future.

4. * * Written Confirmation : * * Obtain written confirmation from credit reporting agencies and creditors acknowledging the corrections made and the removal of false information.

5. * * Avoid Legal Action : * * Resolve the issue amicably to prevent the need for legal action regarding the false 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 2025-08-14 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:
# # # Client Information and Resolution Request * * Client Name : * * XXXX XXXX * * Date of Birth : * * XX/XX/year> * * Address : * * XXXX XXXX XXXX XXXX XXXX, GA XXXX * * Background : * * XXXX XXXX has been denied credit due to being a victim of identity theft. As a result of false reporting on his credit report, he is currently experiencing significant financial distress.

* * Issues Identified : * * - * * Identity Theft : * * False information on credit report due to identity theft.

- * * Credit Denial : * * Denial of credit applications as a result of inaccurate credit reporting.

- * * Financial Harm : * * Suffering due to adverse effects on creditworthiness and financial opportunities. 

* * Desired Resolution : * * XXXX XXXX seeks to resolve the issues stemming from false reporting on his credit report. Specifically, he desires the following : 1. * * Immediate Investigation : * * Initiate an investigation into the inaccuracies reported on his credit report due to identity theft.

2. * * Correction of Information : * * Request that all false information related to identity theft be removed from his credit report to reflect accurate credit history.

3. * * Prevent Further Reporting : * * Take necessary actions to ensure that no further false information is reported in the future.

4. * * Written Confirmation : * * Obtain written confirmation from credit reporting agencies and creditors acknowledging the corrections made and the removal of false information.

5. * * Avoid Legal Action : * * Resolve the issue amicably to prevent the need for legal action regarding the false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX Re : Formal Dispute Inaccurate and Unverifiable Reporting by LVNV Funding LLC Account XXXX : XXXX -- - To Whom It May Concern : This is a formal dispute under FCRA 611 & 623 regarding the reporting of the above-referenced account. I have reviewed my credit file and identifie
d multiple material inaccuracies in LVNV Fundings tradeline, including : 1. Misrepresentation of Creditor Role LVNV Funding is a debt buyer, yet my file reflects past account activity as if they originated or serviced the account. This is misleading and violates FCRA 623 ( a ) ( 1 ) ( A ).

2. No Proof of Ownership The LVNV/Resurgent response admits purchase of the account but fails to provide a Bill of Sale or chain of title from the original creditor ( XXXX XXXX XXXX XXXX to LVNV. This violates FCRA 623 ( a ) ( 3 ) and FDCPA 809 ( b ).

3. Contradictory Status Reporting Closed and Outstanding simultaneously constitutes materially false reporting under FCRA 623 ( a ) ( 1 ) ( A ).

4. Missing Date of First Delinquency ( DOFD ) Omission of DOFD violates FCRA 623 ( a ) ( 5 ) and can unlawfully re-age the account.

5. Incomplete Payment History No payment history grid is provided, rendering the account unverifiable under FCRA 611 ( a ) ( 5 ) ( A ).

Given these deficiencies, this tradeline is unverifiable and must be deleted from my file. If you maintain this account, you must provide : Proof of ownership from the original creditor. 

Full account history. 

DOFD documentation. 


If deletion is not made within 30 days, I will escalate this matter to the CFPB, FTC, and my State Attorney General.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 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: MD

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX ACCOUNTS : XXXX XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$19000.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-08-14 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:
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