vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-09 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 DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: FL

Complaint narrative:
I am filing this FTC Identity Theft Adavit to report XXXX separate fraudulent accounts appearing on my XXXX consumer report which i do not recognize as reported and which are theresult of identity theft and fraud. These fraudulent accounts consist of a XXXX personal credit card account poened at AFFIRM on XX/XX/XXXX under account number XXXX and XXXX, a secured loan account opened at XXXX on XX/XX/XXXX under account number XXXX, and a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I DEMAND that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collections activities related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: Affirm Holdings, Inc
State: FL

Complaint narrative:
I am filing this FTC Identity Theft Adavit to report 4 separate fraudulent accounts appearing on my FICO consumer report which i do not recognize as reported and which are theresult of identity theft and fraud. These fraudulent accounts consist of a 2 personal credit card account poened at AFFIRM on XX/XX/XXXX under account number XXXX and XXXX, a secured loan account opened at XXXX on XX/XX/XXXX under account number XXXX, and a credit card account opened at XXXX on XX/XX/XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer report. I DEMAND that the aforementioned fraudulent items be removed from each of my consumer credit reports and that all collections activities related to said items cease pursuant to my rights within the FCRA and FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: KY

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 explanation
Consumer complaint received 2025-04-09 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: KY

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 2025-04-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
This debt appeared on my credit report and I had never spoke with or had correlations with this company. I reached out to the company twice both by certified mail.I sent a letter on XX/XX/year> then I sent a second round letter on XX/XX/year> reiterating the fact they failed to provide any of the documents I requested on XX/XX/year> I did not receive any signature documents or contracts. The only sent a bill which is not sufficient to prove the alleged debt is owed. So I escalated here for help with the issue. They need to provide the signature documents/contracts or cease collection/reporting attempts

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-09 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: TX

Complaint narrative:
Since I never gave permission for these false accounts to be included on my credit report, I humbly ask to be removed from my credit report. You must take immediate action to delete this false information from my files. Please remove and block.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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.

Complaint narrative:
XXXX : XXXX XX/XX/XXXX. XXXX. Linking incorrect address to my name by XXXX XXXX XXXX XXXX. 

XXXX : XXXX XX/XX/XXXX. XXXX. Linking false names by XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
I reviewed my Consumer Reports and noticed that I had XXXX late payment on an account that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the account : XXXX XXXX  : ( XXXX ) Please investigate and provide Proof with statements showing that these payments were late. If proof can't be provided I demand these payments be updated to on time as they should be as I was NEVER Late. Thanks,

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
On XX/XX/year> I submitted an online dispute through Experian regarding a XXXX account that had already been sold to a new debt buyer. I requested that Experian remove the account or at least update the tradeline to reflect a {$0.00} balance and a transferred/sold status, in compliance with the Fair Credit Reporting Act ( FCRA ). 

Today, XX/XX/year>, I received the dispute results stating that no changes would be made, and the account would remain on my credit report. 

Additionally, this account had previously been removed from my Experian credit report entirely. After being sold to a new debt buyer, it was reinserted into my credit file without proper notice or explanation, which is a direct violation of FCRA guidelines. According to the FCRA, if a deleted account is reinserted, I should have been given a written notice within 5 business days that never happened.

Experian is inaccurately reporting this account as if it is still owned by the original collector, which is misleading. The account should no longer appear under the original name or should be updated to reflect the accurate status. This continued misreporting is harming my credit profile and creating confusion and unfair damage to my score. 

I am requesting that the CFPB investigate this matter and hold Experian accountable for : Reinserting the account without proper notification, Failing to update or remove the account after a valid dispute, And allowing the balance to increase during the dispute process without justification. 

Please ensure that this account is either removed from my report or properly updated to reflect its true status.

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 2025-04-09 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: NC

Complaint narrative:
I have sent several requests to validate or remove negative accounts from my credit file. My latest request was submitted back on XX/XX/year> but I have not received anything in the mail or email. I have sent in Police XXXX, FTC XXXX, XXXX Documents and etc. and my issues have not been resolved yet. XXXXrans Union took the time to review my documents and validated that they did not belong to me, and they removed the accounts. I believe that the evidence that I have provide is enough to prove that they should be removed from my credit report. The accounts are listed belong ; 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 XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX the copy of XXXX XXXX as further proof that the accounts does not XXXX XXXX me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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: Upstart Holdings, Inc.
State: GA

Complaint narrative:
I believe my loan companies are charging me higher rates than what Georgia allows. It seem like I'm paying back twice the amount that I owe to them. Plus I found out recently that they are doing hard inquiries on my credit report without my consent. This is caused my credit report to come down by XXXX points. This is against the law and I really need help in making them pay for what they have done.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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:
Subject : Formal Complaint Against Experian for Reporting False Information To Whom It May Concern, I am filing a formal complaint against Experian for their continued negligence in reporting false and damaging information on my credit report. Despite multiple requests, Experian has failed to provide original contracts bearing my signature to verify these accounts. This is not only a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ), but it is also causing severe financial harm by negatively impacting my livelihood. 

The following accounts have been inaccurately reported and must be addressed immediately : XXXX. XXXX XXXX Account Number ( last four digits ) : XXXX Date Opened : XX/XX/XXXX Status : Incorrectly reported as charged off with a balance of {$1900.00}. 
XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX 
Account Number ( last XXXX digits ) : XXXX Date Opened : XX/XX/XXXX Status : Incorrectly reported as a collection account with a past due balance of {$2100.00}. 
XXXX. XXXXXXXX XXXX  Account Number ( last four digits ) : XXXX Date Opened : XX/XX/XXXX Status : Incorrectly reported as charged off with a past due balance of {$55000.00}. 

Experian has continuously failed to verify these accounts with proper documentation. Under the FCRA, if an account can not be verified with an original signed contract, it must be deleted from my credit report immediately. Furthermore, if Experian has reinserted any previously removed accounts, I was legally entitled to written notification, which I never received. 

I am submitting this complaint to the XXXX XXXX XXXX  to formally document Experians failure to comply with federal regulations and to seek urgent corrective action. I demand that Experian be held accountable for their reckless handling of my credit report and that these false accounts be removed without further delay. 

Should Experian continue to ignore their legal obligations, I will escalate my complaint to the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and my states Attorney Generals office. I am prepared to take legal action if necessary to protect my rights. 

I have attached supporting documentation, including a copy of my credit report highlighting the disputed accounts, proof of identity, and previous correspondence regarding this matter. 

I trust that the CFPB will take this matter seriously and ensure that Experian is held accountable for its failure to uphold consumer protection laws. 

Sincerely, [ 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 2025-04-09 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: GA

Complaint narrative:
- I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records. PLEASE BLOCK AND REMOVE

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 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: SYNCHRONY FINANCIAL
State: CO

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, continues to harass me for the collection of a debt that is not mine, not associated with me, and for an account or service that I have never owned or utilized. On XX/XX/XXXX, by the XXXX. Postal Service certified mail ( I have retained the receipt and document identification as a record ), I submitted a response of debt verification, debt denial, and request to cease all current and future communication with me from XXXX XXXX XXXX XXXX XXXX. While XXXX XXXX XXXX XXXX XXXX, provided me with what they consider debt verification, the documents they sent me were limited, insufficient, and questionable. 

This has not been confirmed, but I suspect XXXX XXXX XXXX XXXX XXXX, of unlawful practices violating the Fair Debt Collection Practices Act ( FDCPA ). Through electronic communications, they may frequently call or text using Caller ID spoofing, fake numbers, or telephonic/mobile numbers not associated with their entity, name, business, company, etc., to harass characters or people they accuse of owing debts. I want their communications investigated for violations under the Fair Debt Collection Practices Act ( FDCPA ). 

In XX/XX/XXXX, an unknown individual reported to my privately owned home to deliver documents on behalf of XXXX XXXX XXXX XXXX XXXX ; a collections advisement from the unknown individual was not delivered in hand to me ; instead, he left the documents made to harass me from XXXX XXXX XXXX XXXX XXXX, at my front door. The harassment comes in the form of an unknown individual who never states who he is or what his purpose is, and then the collections advisement documents are displayed as a legal court summons. The XXXX XXXX XXXX XXXX associated with my home recorded and verified these actions. The individual was loud, abrasive, and harassing in front of my neighbors and anyone in or near my home. 

On their collection advisement and summons document, they stated that they contacted my employer about a debt that is not mine.

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 2025-04-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Please remove the fraudulent and suspicious accounts from my credit report, as outlined in the attached documents.

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Your Name : XXXX XXXX XXXX Your Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date : [ Insert Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  OR submit online at XXXX ] I recently received my credit report and discovered some inaccuracies in my personal information. I am writing to formally dispute all outdated personal details on my consumer credit reports under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This dispute is directed to all nationwide consumer reporting agencies ( Equifax, Experian, and TransUnion ) and ANY furnishers of inaccurate data. 

I demand the following corrections immediately : Delete all prior addresses and any address variations not currently associated with my credit activity. 
Remove all name variations ( e.g., nicknames, misspellings, or aliases ) except my full legal name : XXXX XXXX XXXX. 
Preserve only the following permissible information under 15 U.S.C. 1681c ( a ) ( 4 ) : Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Basis for Dispute : Outdated addresses and name variations pose a risk of identity confusion or fraud. 

The FCRA requires information to be accurate, complete, and verifiable ( 1681e ( b ) ).

Non-permissible information ( e.g., obsolete addresses ) must be deleted per 1681c ( a ) ( 4 ).

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 2025-04-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: LEXISNEXIS
State: CA

Complaint narrative:
Your Name : XXXX XXXX XXXX Your Address : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX Date : [ Insert Date ] Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXXXXXX XXXX IA XXXX XXXX OR submit online at www.consumerfinance.gov/complaint ] I recently received my credit report and discovered some inaccuracies in my personal information. I am writing to formally dispute all outdated personal details on my consumer credit reports under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. This dispute is directed to all nationwide consumer reporting agencies ( XXXX, XXXX, and XXXX ) and ANY furnishers of inaccurate data. 

I demand the following corrections immediately : Delete all prior addresses and any address variations not currently associated with my credit activity. 
Remove all name variations ( e.g., nicknames, misspellings, or aliases ) except my full legal name : XXXX XXXX XXXX. 
Preserve only the following permissible information under 15 U.S.C. 1681c ( a ) ( 4 ) : Legal Name : XXXX XXXX XXXX Current Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Basis for Dispute : Outdated addresses and name variations pose a risk of identity confusion or fraud.

The FCRA requires information to be accurate, complete, and verifiable ( 1681e ( b ) ).

Non-permissible information ( e.g., obsolete addresses ) must be deleted per 1681c ( a ) ( 4 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-09 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 explanation
Consumer complaint received 2025-04-09 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 have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX 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 2025-04-09 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: MD

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 explanation
Consumer complaint received 2025-04-09 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: MD

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 explanation