vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-03-27 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: MI

Complaint narrative:
The XXXX  of the account has expired by law the original creditor has made updates to the account but doesnt provide the accurate documentation to show where the last payments was made to update the account. 

Please provide the documentation internally showing how the accounts was proved accurate and could be updated Other wise the creditor and reporting agency could be furnishing wrong information and ignoring my concerns perjury the account. 

Please have the company provide all necessary documents showing recipients of the last payment.. 

Showing the days paid, showing the last payment from my account with my bank account information, showing the history coming out my bank statements. Showing XXXX XXXX XXXX history, showing experian history and equifax history A contract is not acceptable its has nothing to do with the reporting internally I didnt ask for verification of who account it is. 

I clearly asked for the validation they have not provided the valid proof

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: MS

Complaint narrative:
I am writing to formally dispute the XXXX XXXX XXXX account being reported in collections on my credit report. This account was created without my knowledge or consent, and I have taken steps to address the matter with the collection agency involved as well as the original creditor XXXX XXXX XXXX. 

On XX/XX/scrub> 2025, I contacted XXXX XXXX XXXX and spoke with XXXX XXXX. During our conversation, she informed me that the account in question had been recalled by XXXX & XXXX and was no longer in their possession. She further explained that XXXX XXXX XXXX reports active accounts to the credit agencies on a weekly basis. When I inquired whether they would still report an account they no longer owned, she confirmed that they would, stating that once an account is reported, it is not deleted unless paid in full. 

Additionally, a validation of debt request was mailed out on XX/XX/scrub> 2025, and I have yet to receive any information regarding the status of the investigation. The lack of response to my request further reinforces the improper handling of this account. 

This raises a significant concern : If XXXX XXXX XXXX no longer owns the account, it should not be reported as being in collections by them. The continued reporting of this account by XXXX XXXX XXXX despite its recall by XXXX XXXX XXXX is inaccurate and misleading, which directly impacts my credit standing unfairly. 

Given this information, I am requesting the immediate removal of this fraudulent and improperly reported collection account from my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all reported information is accurate and verifiable. Since this account is no longer within XXXX XXXX XXXX ' possession and was not authorized by me, it should be deleted immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: MS

Complaint narrative:
I am writing to formally dispute the XXXX XXXX XXXX account being reported in collections on my credit report. This account was created without my knowledge or consent, and I have taken steps to address the matter with the collection agency involved as well as the original creditor XXXX XXXX XXXX. 

On XX/XX/scrub> 2025, I contacted XXXX XXXX XXXX and spoke with XXXX XXXX. During our conversation, she informed me that the account in question had been recalled by XXXX & XXXX and was no longer in their possession. She further explained that XXXX XXXX XXXX reports active accounts to the credit agencies on a weekly basis. When I inquired whether they would still report an account they no longer owned, she confirmed that they would, stating that once an account is reported, it is not deleted unless paid in full. 

Additionally, a validation of debt request was mailed out on XX/XX/scrub> 2025, and I have yet to receive any information regarding the status of the investigation. The lack of response to my request further reinforces the improper handling of this account. 

This raises a significant concern : If XXXX XXXX XXXX no longer owns the account, it should not be reported as being in collections by them. The continued reporting of this account by XXXX XXXX XXXX despite its recall by XXXX XXXX XXXX is inaccurate and misleading, which directly impacts my credit standing unfairly. 

Given this information, I am requesting the immediate removal of this fraudulent and improperly reported collection account from my credit report. According to the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to ensure that all reported information is accurate and verifiable. Since this account is no longer within XXXX XXXX XXXX ' possession and was not authorized by me, it should be deleted immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — Frequent or repeated messages
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
I have no knowledge of these accounts as they do not belong to me, I am receiving multiple emails. I have disputed and they refuse to remove from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: CO

Complaint narrative:
There are multiple inaccuracies on my credit report that must be removed without delay. Some contain incorrect details that do not match my records, others are entirely unfamiliar, and several have been reported without proper verification. These discrepancies violate the FCRA, which requires all information to be 100 % accurate and backed by legitimate documentation. 

To resolve this matter fairly, I demand that all inaccurate items be permanently removed from my credit report. If the reporting entities can not provide legitimate proof confirming their accuracy, they have no legal right to remain on my file. I expect immediate corrective action to restore the integrity of my credit profile.

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 2025-03-27 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-03-27 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: FL

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-27 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: IL

Complaint narrative:
The credit bureaus verified this public record as accurate without proper verification. The Clerk of the court has stated in a letter below that they do not provide any information to the credit bureaus. XXXX and other data analytics companies are not government agencies and therefore can not validate this public record. The credit bureaus are violating permissible purpose.

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 2025-03-27 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: IL

Complaint narrative:
The credit bureaus verified this public record as accurate without proper verification. The Clerk of the court has stated in a letter below that they do not provide any information to the credit bureaus. XXXX and other data analytics companies are not government agencies and therefore can not validate this public record. The credit bureaus are violating permissible purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: MO

Complaint narrative:
Experian has failed to fulfill its legal obligation under the Fair Credit Reporting Act ( FCRA ) to conduct a reasonable reinvestigation of disputed information on my credit report, leaving inaccurate or unverifiable accounts unresolved. The Consumer Financial Protection Bureau ( CFPB ) has recently filed a lawsuit against Experian, alleging systemic issues such as failing to forward consumer-provided evidence to furnishers, accepting unrliable responses, and failing to adequately notify consumers of dispute outcomes. These failures algin with my experience, where Experian has neither corrected nor removed disputed items despite the evidence I provided, causing ongoing harm to my credit standing. I am requesting immediate corrective action to remove or amend the disputed accounts, as Experian 's inaction violates federal law and my rights as a consumer.

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 2025-03-27 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: CA

Complaint narrative:
Hi can please remove this hard inquiry from my report please I dont authorized it This is the list of inquiries thats I didnt authorized please remove it XXXX & XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-03-27 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: MN

Complaint narrative:
I don't recognize these addresses or phone number and would like them removed from my credit file. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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 request the immediate removal of unauthorized accounts from my credit report. I did not open or approve these accounts, and I have no knowledge of their origins. In accordance with USC 1681g, I formally ask for their removal within 15 days. Enclosed are the necessary documents for your review. Additionally, incorrect account details are being reported differently across bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Information belongs to someone else
Company: Nelnet, Inc.
State: FL

Complaint narrative:
My personal and financial information was compromised without my authorization. FERPA protects the confidentiality of student records. The breach violates the contract and renders it null and void

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 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: LCI Acquisition Inc.
State: IL

Complaint narrative:
XXXX, LCI, and other data analytics companies are not government agencies and therefore can not validate this public record as the courts do not provide information to credit bureaus or non government agencies. XXXX and LCI is violating permissible purpose. According to Rule 9037 a court filing may contain only the last four digits of the social security number, the year of individual 's birth, the minor 's initials, and the last four digits of the financial-account number so this account couldn't possible be verified because the court does furnish this information and according to the Rule 9037 this public record can belong to anyone with the same last four digits of my social security number and/or the year of birth and/or account number.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
They sent me an email stating that i owed money for a loan. I contacted them and asked what this was about, that I had no loan. They said it was for a loan through BEST BUY for a XXXX. I told them that this was not for me, that I had never purchased for BEST BUY, and they need to correct the error. They referred me to their fraud office at XXXX I wrote them and let them know that I had never taken out a loan with them, this was their reply : Police Report and Bank Statement Needed Personal Fraud XXXX Fri, XX/XX/XXXX, XXXX to me XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX received notice that you may be a victim of identity theft and bank fraud. XXXX takes fraud allegations very seriously. If you still believe your identity has been stolen and used to create an account with XXXX, we ask that you file a police report for identity theft and include XXXX in the summary. If you have additionally experienced unauthorized charges, please include the last 4 digits of your bank account and dates and amounts of the unauthorized transactions in the narrative, as well. Alternatively, you can provide us a copy of your Bank Statement showing your name, last 4 digits of your bank account number, and the unauthorized transaction dates and amounts. Once the report is filed, we ask that you attach a full copy and potentially a copy of your Bank Statement in response to this email. Upon review and verification, we will refund any necessary payments, terminate the account for fraud, and remove all reporting of it from the credit bureau. We appreciate your assistance in this investigation. 


Best Regards, Fraud Team | XXXX  XXXX XXXX XXXX XXXXXXXX  UT XXXX -- -- -- -- -- -- -- - Original Message -- -- -- -- -- -- -- - From : XXXX XXXX [ XXXX ] Sent : XX/XX/XXXX XXXXXXXX XXXX To : XXXX ; XXXX Subject : Fraud case I received an email with a lease # XXXX. Stating that I will be having an auto payment of {$270.00} on XX/XX/XXXX. 
I called XXXX and spoke with " XXXX '' a supposed supervisor to find out what this was about. He said that it was for a laptop XXXX XXXX that was leased from Best Buy. I have never leased or purchased from Best Buy. 
I am forwarding this information to the Georgia Consumer Complaint office of the GA attorney general. 
Along with the XXXX phone number and this email address and the phone # for Experience- the supposed Company that validates lease information for XXXX. 



ref :! XXXX.! XXXX : ref U

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 2025-03-27 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: VA

Complaint narrative:
XXXX XXXX XXXX is the name of the account on my Credit reports The account was not verified I filled a complaint with the CFPB on this company they sent in a un signed contract an they have nothing stating that this account belongs to me The account should have never been allowed to be put on my Credit reports with out verification I filled a dispute but it has not been 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 2025-03-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXXXXXX  ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the XXXX, Experian, XXXX 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 accounts opened at XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ), and XXXX XXXX on XX/XX/XXXX, under the account number ( XXXX ). This account has resulted in fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the collections 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 ( 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.

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 2025-03-27 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: MO

Complaint narrative:
I just found out my XXXX XXXX  has been using my name and info to open accounts for like credit cards and loans. The accounts that I put on this list are not mine, I really want them to be removed from my credit because the accounts were opened fraudulently. Please help me get this resolved, so my credit can be right. I saw online that there is a case where the CFPB sued the credit places for not doing the disputes the right way.

I dont kn

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 2025-03-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
I put in for a personal loan not knowing that they were going to add on extra interest rate. Making it so that this loan want be paid off

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 2025-03-27 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: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) XXXX XXXX XXXX. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-03-27 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: NJ

Complaint narrative:
I am writing to follow up on my previous correspondence, regarding the inaccurate items that appear on my credit report. As I stated before, I am deeply concerned about the presence of unrecognizable information on my report, and I know it is essential to reiterate the gravity of this matter.

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