vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-29 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: FL

Complaint narrative:
XXXX XXXXXXXX XXXX remain private Date of Birth : XX/XX/year>XXXX  I am filing this formal complaint with the Consumer Financial Protection Bureau to request, under the authority of FCRA 605B ( 15 U.S.C. 1681c-2 ), that Experian block from my credit report several entries that are the result of identity theft and unauthorized use of my personal information. I request this be completed within 4 business days of your receipt of this complaint, as required by law. 

Upon reviewing my credit file, I identified multiple accounts and collections that were opened and reported without my knowledge or consent. These accounts have negatively impacted my credit profile and include unauthorized hard inquiries. 

I am not responsible for the following accounts, which were fraudulently opened in my name : 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  ) I do not recognize or accept responsibility for any of these accounts, nor did I authorize their creation or activity. They are the direct result of identity theft, and I have reported this to the proper authorities. 

Enclosed with this complaint are : A copy of my FTC Identity Theft Report XXXX A copy of my current credit report showing these fraudulent accounts A list of unauthorized hard inquiries tied to the same fraudulent activity As a consumer protected under federal law, I respectfully demand that these fraudulent items be blocked and removed from my credit report immediately. Additionally, I request that any and all collection efforts related to these accounts cease, in accordance with the Fair Credit Reporting Act ( FCRA ) and applicable 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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
This letter serves as a formal dispute regarding an account I believe to be fraudulent and unverified. I have no knowledge of the origin or purpose of this account and did not authorize its creation.

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 2025-07-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Sequium Asset Solutions, LLC
State: KS

Complaint narrative:
Sequium Asset Solutions , LLC sent me an initial communication stating a balance of {$770.00} plus {$110.00} in fees for a total of {$880.00}. I disputed the debt and requested validation under the FDCPA. Sequium responded with a copy of standard XXXX monthly billing statements that do not show the original {$880.00} total, do not reflect the {$110.00} in fees, and do not include a deduction for a prior payment I made to another XXXXaffiliated collection agency. The statements they provided end at {$770.00} without any explanation or reconciliation. This is inconsistent with their first communication and does not meet FDCPA 809 ( b ) or Regulation F validation requirements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Resurgent Capital Services L.P.
State: VA

Complaint narrative:
Not necessarily misleading. However, I'm being contacted by a debt collection company. They are allowing a California residence to opt out of a sale of their personal data or opt out of targeted advertising. And there also opting at a profiling, however, when I tried to opt out, I was denied. Yet, I'm a Virginia resident and as of XX/XX/year>, Virginia, has passed the Virginia consumer data protection act. Which offers me the opt out of sale of my personal data or right? 12 refuse or debate any information in my data. I feel also that I was profiled. Also buy another large company which I will file a separate complaint in this one. This is against resurgent capital services. L l c, who has purchased my debt from lv? Nn, funding from my credit card default from XXXX XXXX XXXX XXXX  Therefore, resurgent is preventing me from opting out from my data. And my information being sold and shifted around and disclosed. I also want to file a charge 4. Not allowing me to get full information on this debt supposedly owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: NC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

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

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

Company 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 2025-07-28 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: IN

Complaint narrative:
in XX/XX/year>, I was made aware that my credit report had been compromised and several fraudulent accounts that were not open by me has impeded my credit report. The fraudulent accounts are XXXX XXXX {$0.00}, XXXX XXXX {$490.00}, XXXX XXXX XXXX {$230.00}, XXXX XXXX {$330.00}, XXXX XXXX XXXX XXXX {$1100.00}, XXXX {$7500.00}, XXXX {$8300.00}, XXXX {$4600.00}, XXXX XXXX XXXX {$13.00}, XXXX XXXX XXXX {$6300.00}, XXXX XXXX XXXX {$4700.00}, XXXX XXXX XXXX {$1000.00}, XXXX XXXX XXXX {$6200.00}, XXXX XXXX XXXX {$3700.00}, XXXX XXXX XXXX {$360.00}, XXXX XXXX XXXX {$660.00}, XXXX XXXX XXXX {$3000.00}, XXXX XXXX XXXX {$1100.00}, XXXX XXXX XXXX {$1200.00}, XXXX XXXX XXXX {$3300.00}, XXXX XXXX XXXX {$3000.00}, XXXX XXXX XXXX {$1600.00}, XXXX XXXX XXXX {$6400.00}, XXXX XXXX XXXX {$4500.00}, XXXX XXXX XXXX {$4200.00}, XXXX XXXX XXXX {$490.00}, XXXX XXXX XXXX {$13000.00}, XXXX XXXX XXXX {$2600.00}

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 2025-07-29 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kriya Capital, LLC
State: CT

Complaint narrative:
I am disputing a fraudulent account that appears on all three of my credit reports ( XXXX XXXX XXXX XXXX  ). The original creditor is XXXX XXXX XXXX, and the account is currently being reported and collected on by Credence Resource Management. I did not open, authorize, apply for, or use this account, and I had no knowledge of its existence until I checked my credit reports. 

Upon discovering the account, I submitted a formal identity theft dispute with all three credit bureaus, stating clearly that the account was opened without my knowledge or consent. Despite this, the account continues to be reported as valid and active, and I have not received any documentation from XXXX XXXX XXXX, Credence Resource Management, or the credit bureaus verifying the legitimacy of this account. 

To date, neither XXXX XXXX XXXX nor Credence Resource Management has provided any of the following required documentation : A signed service agreement or application with my name or signature Proof that my identity was verified at the time the account was opened Any records showing I authorized, used, or benefited from the service Any form of electronic signature evidence, such as IP address, device/browser information, or identity verification steps This account is fraudulent and remains unverified and legally unsupported. Continued reporting and collection attempts without proper documentation violate the Fair Credit Reporting Act ( FCRA ), specifically : FCRA 1681s-2 ( a ) ( 1 ) ( A ) Prohibits the reporting of inaccurate or unverifiable information FCRA 1681s-2 ( b ) Requires furnishers and credit bureaus to reasonably investigate disputes and correct or delete inaccurate data

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
This account is being illegally re-reported in violation of the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ). This alleged debt from XXXX XXXX was previously sold to XXXXXXXX XXXX XXXX, and now it's being reinserted under a different collection agency ( XXXX XXXX XXXX XXXX ) without proper notice or legal basis. FCRA 611 ( a ) ( 5 ) ( B ) requires written notice within 5 business days of any re-insertion of previously deleted or transferred informationnone was provided. 

Additionally, this account contains multiple violations : Incorrect personal information ( wrong DOB, name misspelling, invalid address, no SSN on file per the collectors own admission ), The balance of {$1800.00} is disputed and unvalidated, in violation of FDCPA 809 ( b ), 15 U.S.C. 1692g ( b ), Multiple data furnishers reporting the same debt, inflating my liabilities and harming my credit score, which violates FCRA 623 ( a ) ( 5 ) and FTC guidance on double reporting.

I have submitted an FTC Identity Theft Report and affidavit to the current collector, who failed to block the account as required under FCRA 605B. This account must be permanently deleted from all three credit reports. Failure to do so will be seen as willful noncompliance, actionable under FCRA 616 and 617, and may be referred for legal enforcement.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Credit Control, LLC
State: WI

Complaint narrative:
XXXXXXXX XXXX XXXX XXXXXXXX credit card account was transferred to Credit Control LLC for collections. I reached a full settlement with Credit Control LLC on XX/XX/XXXX, and I have the formal settlement letter confirming the account has been resolved. I have paid off all my settlement amount on XX/XX/XXXX. 

Despite this, XXXX XXXX XXXXXXXX continues to report an outstanding balance of {$16000.00} to the credit bureaus. I have contacted both XXXX XXXX XXXXXXXX and Credit Control LLC multiple times over the past several weeks requesting that the account be updated to reflect a {$0.00} balance. XXXX XXXX  XXXX stated the account would be recalled and the update will be made yet, no correction has occurred to date. 

Meanwhile, Credit Control LLC has not provided any transparency or confirmation that they informed XXXX XXXX XXXXXXXX of the resolved status. Ive made repeated calls with no resolution or accountability. It is unclear whether XXXX XXXX XXXXXXXX is ignoring the settlement notice, or whether Credit Control LLC failed to notify them neither party has taken ownership. 

This back-and-forth has left me, the consumer, without any clear resolution or truthful information. There is a complete lack of transparency between the two companies, and the inaccurate reporting has caused my credit score to drop significantly. I fulfilled my financial obligation in good faith and now face long-term damage to my credit profile due to errors beyond my control.

I am formally requesting that : XXXX XXXX XXXXXXXX immediately update my account with all major credit bureaus ( XXXX, XXXX, and XXXX  ) to reflect a {$0.00} balance and " settled '' status. 

An investigation be conducted into the communication and reporting process between XXXX XXXX XXXXXXXX and Credit Control LLC. 

I be provided with a written explanation and resolution timeline from both entities. 

This situation has already gone on far too long, and I am seeking CFPB support to ensure it is corrected promptly and permanently.

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 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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 discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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 am writing you again about the compromising of my social security number. I am a victim of Identity Theft and believe my information was breached in the Equifax Data breach. I contacted the Federal Trade Commission and filed a complaint # XXXX. I also included a signed and notarized copy of my Affidavit of Facts and Truth. The account was previously removed but is now reinserted back on to my Equifax credit report without any proper investigation. In accordance with the Fair Credit Reporting Act ( FCRA ), specifically section 6 ll ( a ) ( 5 ) ( B ) ( ii ), a consumer reporting agency is mandated to notify the consumer of any reinsertion of previously deleted material in writing within five business days following such reinsertion. To date, I have not received any form of notification regarding the reinsertion of the disputed item, constituting a direct and egregious violation of FCRA section 61 l ( a ) ( 5 ) ( B ) ( ii ). The account listed below, which appears on my credit report, does not relate to any account I have opened or have knowledge. It is the result of identity theft.I am also including evidence in writing stated that the account was deleted on XX/XX/year> via the CFPB portal from Equifax. On XX/XX/XXXX XXXX  the account was reinserted without any validation of the account. 
1.Please explain to me what your representatives uncovered to lead them to believe that you are reporting this item as it legally should be reported? 2.What certified documents were reviewed to conclude your investigation 3. Please provide a complete copy of all the information that was transmitted to the data furnisher as part of the investigation. 4.What did it cost your company to obtain the documents needed to complete your investigation? 5.Please provide proof of your timely procurement of certified documents. 6. Did you speak directly to any agent of the company that was reporting the information to confirm the accuracy of what you are reporting? 8.If so, please provide copies of all correspondence ; supply copies of all conclusive documentation to prove that you have in fact conducted a reasonable investigation of the account in question. 9.Provide the date of the commencement of delinquency 10. Provide the SPECIFIC date reporting that these items will cease.

1. 
XXXX XXXX Account Number : XXXX m my credit report. 

XXXX. XXXX XXXX Account Number : XXXX XXXX. 
XXXX XXXX  Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 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: CA

Complaint narrative:
The glaring absence of concrete evidence to support its reliability, combined with the dissemination of unverified information, represents a clear violation of the statutory requirements outlined in 15 USC 1681i ( 7 ). This lack of compliance is not only troubling but also deeply frustrating, given the critical importance of adhering to legal obligations. 

Therefore, I strongly advocate for the immediate removal of this account in accordance with the specified regulations, unless verifiable evidence is promptly provided to establish its authenticity. Any delay in addressing this issue exacerbates the frustration caused by the apparent disregard for regulatory protocols and the legal standards that ensure fairness and accuracy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-29 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: GA

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment reported to be removed/updated. They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: LEXISNEXIS
State: CA

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

Company response to consumer: Closed with explanation