vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

Account name : XXXX Account number : XXXX Account name : DPT ED/XXXX Account number : XXXX Account name : DPT EDXXXX Account number : XXXX Account name : XXXX  Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXXXXXX Account number : XXXXXXXX XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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: AZ

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks has been XXXX  to my life and overall credit health.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: AZ

Complaint narrative:
I recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks has been XXXX  to my life and overall credit health.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-04 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-06-04 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act, the list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 15 U.S.C. 1681, section 602 ( A ), states that I have the right to privacy.

15 U.S.C. 1681, section 604 ( A ), states : It also states that a consumer reporting agency can not furnish an account without my written instruction.

15 U.S.C. 1681c ( a ) ( 5 ), section states : No consumer reporting agency may include in any consumer report any adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) states : A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 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:
Unauthorized Hard Inquiry - 1. XXXX XXXX Inquiry Dates : XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX TransUnion File ID / SSN ( last 4 ) : XXXX 2. XXXX XXXX Inquiry Date : XX/XX/XXXX TransUnion File ID / SSN ( last 4 ) : XXXX 3. XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX TransUnion File ID / SSN ( last 4 ) : XXXX I am writing pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., to dispute and demand deletion of the hard inquiry ( ies ) listed above, which appear on my credit file without my authorization or any permissible purpose.

Statutory Violations : - 15 U.S.C. 1681b ( a ) : No permissible purpose exists for these inquiries.

- 15 U.S.C. 1681b ( f ) : Inquiry made without proper user certification.

- 15 U.S.C. 1681q : Credit was accessed under false pretenses.

- 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) and 1681i ( a ) ( 5 ) ( A ) : Failure to verify requires permanent deletion.

I demand : 1. Immediate deletion of the XXXX XXXX inquiries dated XX/XX/XXXX XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX  Inquiry Date : XX/XX/XXXXXXXX XXXX XXXX XXXX Inquiry Date : XX/XX/XXXX XXXX. A full Method of Verification ( MOV ) under 1681i ( a ) ( 6 ) ( B ) ( iii ) including identity of the person who certified the purpose and documentation of my signed authorization.

If you fail to remove these inquiries within 30 days, I will take legal action under 1681n, 1681o and report violations to the CFPB, FTC, and State Attorney General

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 2025-06-04 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: MA

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. This is XXXX XXXX XXXX do not refute my complaint by stating that I filed this by some other means than myself. There is no third party involved. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud. Please take necessary actions for my complaint, Ive been very patient on this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Account sold or transferred to another company
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
I am requesting the removal of a credit card account from my credit history due to issues beyond my control. I experienced significant trouble using the credit card for purchases, which affected my ability to manage the account as intended. Furthermore, the account was sold or transferred to another company without my knowledge or permission, which further complicated the situation and negatively impacted my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: MD

Complaint narrative:
I discovered a collection account reported by Portfolio Recovery Associates on my credit report for an alleged XXXX XXXX debt. I never received any written communication or validation letter from them prior to this reporting. I was not notified of the debt nor given a chance to dispute it within the 30-day window, as required under the Fair Debt Collection Practices Act ( FDCPA ). 

After seeing the collection on my credit report, I sent a formal debt validation request to Portfolio Recovery Associates on XX/XX/year>, asking for documentation such as : A signed contract with the original creditor A full payment history Proof of ownership/assignment And proof of permissible purpose under the FCRA. 
Their only response was a generic explanation that failed to include the legally required validation documents. Despite the lack of validation, they continued to report the debt on my credit file, which I believe violates both the FDCPA and FCRA. 

This situation has caused me significant emotional stress and financial harm. I was denied credit opportunities, had to put off important purchases, and have experienced XXXX  and sleepless nights trying to clear my name. I am frustrated by their failure to properly investigate and validate the debt, and by their continued negative reporting despite my formal dispute. 

Im requesting that the CFPB investigate this matter and that Portfolio Recovery Associates be required to remove this unvalidated debt from my credit report and cease all collection activity unless and until proper validation is provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: NJ

Complaint narrative:
I am extremely dissatisfied with the failure to comply with section FCRA 605B ( 15 U.S.C. 1681c-2 ), which mandates the removal of certain information within four days of receiving notice. Therefore, I demand a swift correction of the inaccurate data to maintain the integrity of my credit report. Please conduct a thorough review of these discrepancies and take immediate steps to rectify the disputed entries.

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 2025-06-04 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: NV

Complaint narrative:
I am sending this complaint regarding fraudulent items on my credit report that I have requested to be removed. Despite my previous communications, these items have not been addressed. I am formally requesting the removal of the following fraudulent items : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$19000.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$5700.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Incorrect information on your report — Information belongs to someone else
Company: UPGRADE, INC.
State: NJ

Complaint narrative:
I have a few accounts showing up on my credit report after I was looking to purchase a vehicle a few months ago. I noticed there were multiple accounts opened in my name. I contacted the companies, sent certified mail requesting for verification and how did they obtain my credit information and to also provide proof with an original signature of all accounts. They did not provide any evidence, only purchases that were made. I asked multiple times for them to investigate and see that I never had or used any of these account and they still never provide proof or where the source of the account originated from. 
I asked them to remove it and continue on their investigation to find out who open those accounts fraudulently... The accounts are still on my credit bureaus and have really dragged my score so low that it has costs me opportunities to refinance my house and also obtain certain business credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: TX

Complaint narrative:
I am writing to dispute several inaccuracies on my credit report. I am requesting that these items be investigated and removed or corrected as required by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i and 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy.

The following items on my credit report are inaccurate or incomplete : Date : XX/XX/year> XXXX. Creditor Name : XXXX XXXX XXXX Amount : XXXX Issue : Account shows a charge off and I did not receive a 1099 c form.

Requested Action : 1099 c form As required by FCRA 1681i ( a ), please conduct a reasonable investigation into these items. If the items can not be verified within 30 days, they must be deleted from my credit report. Please also provide written confirmation of your investigation and the outcome.

This letter is being sent in good faith and is not an acknowledgment of liability. If necessary, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or take legal action to protect my rights. 

Please send a written response to the address listed above.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute several inaccuracies on my credit report. I am requesting that these items be investigated and removed or corrected as required by the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 1681i and 1681e ( b ), which mandates that consumer reporting agencies follow reasonable procedures to assure maximum possible accuracy.

The following items on my credit report are inaccurate or incomplete : Date : XX/XX/year> XXXX. Creditor Name : XXXX XXXX XXXX Amount : XXXX Issue : Account shows a charge off and I did not receive a 1099 c form.

Requested Action : 1099 c form As required by FCRA 1681i ( a ), please conduct a reasonable investigation into these items. If the items can not be verified within 30 days, they must be deleted from my credit report. Please also provide written confirmation of your investigation and the outcome.

This letter is being sent in good faith and is not an acknowledgment of liability. If necessary, I am prepared to escalate this matter to the Consumer Financial Protection Bureau ( CFPB ) or take legal action to protect my rights. 

Please send a written response to the address listed above.

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 2025-06-04 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the unauthorized items listed below, which are currently reporting on my credit report in violation of federal law. Despite prior correspondence and my explicit request, the XXXX Credit Bureau has failed to comply with the Fair Credit Reporting Act ( FCRA ) by neglecting to remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the unauthorized items listed below, which are currently reporting on my credit report in violation of federal law. Despite prior correspondence and my explicit request, the XXXX Credit Bureau has failed to comply with the Fair Credit Reporting Act ( FCRA ) by neglecting to remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XX/XX/year>

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 2025-06-04 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Kikoff Inc.
State: FL

Complaint narrative:
After calling Kikoff numerous times and demanding proof of account all they keep telling me is that I used the same email account to contact them. The guy XXXX who stole my purse or his girlfriend used my information to create that email account. All I had to do was call XXXX customer service and provide ID and I was able to change the password to that email account. Thats how I discovered the Kikoff account. Also Kikoff is reporting an address which I never lived at which is XXXX XXXX XXXX. All I want is my signature on the supposed to be account that I setup and I also want the last 4 digits of the debit card used to create this Kikoff account.

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 2025-06-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am filing this complaint because a consumer reporting agency has failed to meet its obligations under the Fair Credit Reporting Act ( FCRA ). After disputing inaccurate information on my credit report, I submitted a formal requestpursuant to 15 U.S.C. 1681i ( a ) ( 7 ) and 1681e ( b ) seeking a detailed explanation of the reinvestigation process. Specifically, I requested information describing the steps taken to verify the disputed data, the name, address, and telephone number of the data furnisher, and any documentation relied upon to justify the continued reporting of the item. 

To date, the agency has not provided any of the requested information. This lack of disclosure contravenes the transparency and accountability standards established by the FCRA and raises serious concerns regarding the accuracy, completeness, and integrity of the reinvestigation. The agencys noncompliance may constitute willful or negligent violations under 15 U.S.C. 1681n and 1681o and may expose it to civil liability.

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 2025-06-04 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: CBC Companies, Inc.
State: TX

Complaint narrative:
I am requesting the immediate freezing of my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-04 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: CA

Complaint narrative:
I am writing to file a formal complaint regarding the unauthorized items listed below, which are currently reporting on my credit report in violation of federal law. Despite prior correspondence and my explicit request, the XXXX Credit Bureau has failed to comply with the Fair Credit Reporting Act ( FCRA ) by neglecting to remove these items. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$2000.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$1100.00} XXXX XXXX XXXX XX/XX/year>

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