vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-06 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: NJ

Complaint narrative:
Dear XXXX, I am writing to formally dispute the following collection accounts reported on my credit file, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

Disputed Accounts : XXXX XXXX XXXX Account Number : XXXX Balance : {$720.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$540.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$240.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX ( last digits masked for privacy ) Date Opened : XX/XX/XXXX Status : Closed Balance : {$130.00} Last Payment : XX/XX/XXXX High Balance : {$330.00} Account closed at credit grantors request Basis for Dispute and Additional Context : The XXXX XXXX account was not authorized by me and was opened after my personal information was exposed during the Equifax data breach. I did not initiate or consent to this account, and I believe it is an unauthorized account reported on my credit report.

Under the FCRA ( 15 U.S.C. 1681i ), I am exercising my right to dispute this account as potentially fraudulent, and I request an immediate investigation and validation of this account, including : Verification that I authorized this account.

Documentation proving that I personally opened or authorized this account.

Confirmation that this account is accurate, complete, and verified.

Furthermore, under the FDCPA ( 15 U.S.C. 1692g ), if this account is found to be unauthorized or fraudulent, it must be deleted from my credit report.

Legal and Rights Violations : Unauthorized Account : * Reporting an account I did not authorize violates my rights under the * FCRA * and * FDCPA * *.

Inaccurate Reporting : * If verified as fraudulent, this account must be removed under * 15 U.S.C. 1681i * *.

Fraudulent Activity : * * My identity may have been compromised ; I request that this be treated as a potential case of identity theft.

Request for Action : Conduct a thorough investigation into the validity of this account.

Provide documentation proving my authorization or ownership of this account.

Remove the account if verification can not be provided or if it is confirmed to be fraudulent. I would like proof of documentation to show that these collection companies can collect debt in my state of New Jersey.

Please respond within 30 days of receipt of this dispute with the results of your investigation and any documentation supporting the validity of the account.

Thank you for your prompt attention to this matter. I look forward to your confirmation that this account has been properly investigated and, if necessary,

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 2025-07-06 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: Portfolio Recovery Associates, LLC
State: IN

Complaint narrative:
XX/XX/year> A dispute was submitted against Portfolio Rc in their attempt to collect {$460.00} for an account that I have NEVER had with them. They have illegally reported this as a mark against my credit. They continue to report false information against me, as well as harass me via phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: GA

Complaint narrative:
I am victim of the credit bureau security breach. A negative a XXXX XXXX appeared on my account. 

Please delete this account under XXXX and also 15US CODE 166B 15US CODE 1681B

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 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: GA

Complaint narrative:
I am victim of the credit bureau security breach. A negative a XXXX XXXX appeared on my account. 

Please delete this account under XXXX and also 15US CODE 166B 15US CODE 1681B

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: IN

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Experian is inaccurately reporting missed payments on accounts that are either closed, paid, or current. For example, a surrendered vehicle continues to accrue late marks, and a real estate loan shows a false 30-day delinquency in XX/XX/XXXX despite timely payments. Experian has not corrected this despite my dispute. This behavior aligns with the CFPBs own recent lawsuit against Experian in XXXX, alleging sham investigations and FCRA violations.

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 2025-07-06 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: IN

Complaint narrative:
I am writing to formally request a detailed explanation of the procedures your agency followed to verify the accuracy and completeness of the information currently under dispute, pursuant to 15 U.S.C. 1681i ( a ) ( 7 ) Method of Verification.

Under this section of the Fair Credit Reporting Act, I am entitled to a clear and complete description of the reinvestigation process, including the name, address, and, if reasonably available, the telephone number of any furnisher of information that was contacted in connection with the disputed item.

Please provide this information within 15 days of receiving this request, as required by federal law and your obligations under the Fair Credit Reporting Act.

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 2025-07-06 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: TX

Complaint narrative:
PLEASE REMOVE ALL ACCOUNTS! AS PER THE GUIDANCE FROM CFPB THE DOCUMENT NEEDED AS A LETTER FROM THE ADVOCACY GROUP HELPING ME DUE TO XXXX XXXX-DEBT FINAL RULE 1002.142 ( B ) ( 4 ) -5-1002.142 ( B ) ( 7 ), I KINDLY REQUEST THAT YOU BLOCK ALL INFORMATION FROM MY CREDIT REPORT WITHIN 4 BUSINESS DAYS, PURSUANT TO SECTION 605C OF THE FAIR CREDIT REPORTING ACT. I AM A VICTIM OF XXXX XXXX OF DEBT BONDAGE AND WOULD LIKE FOR ALL LISTED ACCOUNTS TO BE BLOCKED AND DELETED FROM CREDIT REPORT! PLEASE DELETE THE FOLLOWING ACCOUNTS XXXXXXXX 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 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX : XX/XX/XXXX | XXXX : XXXX Date : XX/XX/XXXX Equifax Information Services LLC XXXX XXXX XXXX XXXX XXXX, GA XXXX RE : Formal Demand for Immediate Removal of Unauthorized Inquiries, Outdated Personal Information, and Unverifiable Data To Whom It May Concern, I am formally demanding the immediate removal of the following unauthorized or unverifiable inquiries and inaccurate personal information from my Equifax credit report dated XX/XX/XXXX, under the provisions of the Fair Credit Reporting Act ( FCRA ) 15 U.S.C. 1681b ( c ) ( 1 ) ( A ) and Georgia Fair Business Practices Act ( O.C.G.A. 10-1-393 ).

Inquiries Disputed : These entities have no permissible purpose, and I did not authorize these hard or recurring soft inquiries : XXXX XXXX, XXXX. 
XXXX XXXX XXXX FL XXXX, XXXX XXXX, CA XXXX ( XXXX ) XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, etc. 

XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( XXXX ) XXXX Inquiry Dates : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXXXXXX, MD XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX VA XXXX XXXX XXXX ) XXXX Inquiry Dates : XX/XX/XXXX, XX/XX/XXXX Miscellaneous/Unknown Unknown UK Unknown Inquiry Date XXXX XX/XX/XXXX XXXX Basis for Removal : Under FCRA 15 U.S.C. 1681b ( a ), no entity may access a consumers credit report without a permissible purpose, such as a consumer-initiated transaction. The listed inquiries lack such authority and must be immediately removed.

Additionally, Georgia O.C.G.A. 10-1-393 ( b ) ( 14 ) prohibits consumer reporting agencies from reporting unauthorized inquiries or unverifiable personal data.

Inaccurate/Unverifiable Personal Information Disputed : Former Names : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Former Addresses : XXXXXXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX, XXXX, GA XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX, GA XXXX ( and all other outdated or unverifiable addresses listed on my report ) Former Phone Number : ( XXXX ) XXXX I have no current association or active credit relationships connected to these records, and per FCRA 15 U.S.C. 1681c ( a ) and O.C.G.A. 10-1-393 ( b ), obsolete and unverifiable personal identifying information must be permanently deleted. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX XXXX XXXX. I AM SENDING THIS COMPLAINT TO THE CREDIT AGENCIES TO REMOVE FRAUDULENTLY OPENED ACCOUNTS AND ADDRESSES FROM MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 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: GA

Complaint narrative:
HELLO, MY NAME IS XXXX XXXX XXXX XXXX. I AM SENDING THIS COMPLAINT TO THE CREDIT AGENCIES TO REMOVE FRAUDULENTLY OPENED ACCOUNTS AND ADDRESSES FROM MY CREDIT REPORT. I AM A VICTIM OF IDENTITY THEFT.

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 2025-07-06 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:
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. 

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 XXXXXXXX XXXX XXXX XXXX XXXX XXXX - XXXX List of Unauthorized Inquiries : 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 XXXXXXXX XXXX U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other 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 ) 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 2025-07-06 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: MD

Complaint narrative:
Complaint : I am submitting this complaint because multiple unauthorized hard inquiries were made on my credit reports after a pgone call with car dealership on or around XX/XX/XXXX. 

I explicitly told the dealership that I was already approved for financing through my personal bank. I made it clear that I did not authorize my credit to be submitted to any other lenders. Despite that, they submitted my information to numerous lenders who accessed my credit reports without my permission.

These inquiries are a direct violation of the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681b, which requires a permissible purpose and authorization before any entity can access a consumers credit file. I did not authorize these inquiries. 

Below is a full list of the companies that pulled my credit without my permission and others who has pulled my crdit without my permission : 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 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 XXXXXX/XX/XXXX These inquiries were made without my knowledge, without my consent, and without legal authorization. 

I am requesting : A full investigation into this matter Immediate removal of these inquiries from my credit reports with Experian, Equifax and TransUnion.

Appropriate enforcement actions against involved lenders for violating my rights under the FCRA Thank you for your assistance.

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 2025-07-06 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: NJ

Complaint narrative:
Dear XXXX, I am writing to formally dispute the following collection accounts reported on my credit file, pursuant to my rights under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692 et seq. 

Disputed Accounts : XXXX XXXX XXXX Account Number : XXXX Balance : {$720.00} Date Opened : XX/XX/XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$540.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX Balance : {$240.00} Date Opened : XX/XX/XXXXXXXX XXXX XXXX XXXXXXXX Account Number : XXXX ( last digits masked for privacy ) Date Opened : XX/XX/XXXX Status : Closed Balance : {$130.00} Last Payment : XX/XX/XXXX High Balance : {$330.00} Account closed at credit grantors request Basis for Dispute and Additional Context : The XXXX XXXX account was not authorized by me and was opened after my personal information was exposed during the Equifax data breach. I did not initiate or consent to this account, and I believe it is an unauthorized account reported on my credit report.

Under the FCRA ( 15 U.S.C. 1681i ), I am exercising my right to dispute this account as potentially fraudulent, and I request an immediate investigation and validation of this account, including : Verification that I authorized this account.

Documentation proving that I personally opened or authorized this account.

Confirmation that this account is accurate, complete, and verified.

Furthermore, under the FDCPA ( 15 U.S.C. 1692g ), if this account is found to be unauthorized or fraudulent, it must be deleted from my credit report.

Legal and Rights Violations : Unauthorized Account : * Reporting an account I did not authorize violates my rights under the * FCRA * and * FDCPA * *.

Inaccurate Reporting : * If verified as fraudulent, this account must be removed under * 15 U.S.C. 1681i * *.

Fraudulent Activity : * * My identity may have been compromised ; I request that this be treated as a potential case of identity theft.

Request for Action : Conduct a thorough investigation into the validity of this account.

Provide documentation proving my authorization or ownership of this account.

Remove the account if verification can not be provided or if it is confirmed to be fraudulent. I would like proof of documentation to show that these collection companies can collect debt in my state of New Jersey.

Please respond within 30 days of receipt of this dispute with the results of your investigation and any documentation supporting the validity of the account.

Thank you for your prompt attention to this matter. I look forward to your confirmation that this account has been properly investigated and, if necessary,

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Law Office of Brett M. Borland, P.C.
State: MS

Complaint narrative:
I reached out the XXXX XXXX XXXX about a debt that is not owed. The amount is {$2200.00} dollars. I called them in XXXX, 2025. I was told that it had been turned over to a law firm by the name of Law Office of Brett M. Borland. I reached out this month and in XXXX to this law firm to let them know that my property manager said the debt was not owed but they are still refusing to move it from my credit. I also asked my property manager at XXXX XXXX XXXX XXXX XXXX XXXX TX to reach out to them because they are requesting information from her but she has not done anything to help resolve the issue. I reached out to her on XX/XX/scrub> 2025.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: MOHELA
State: VT

Complaint narrative:
Throughout the years I began my grad degree I have opted out of my in school deferment since i was on both the IDR and SAVE with a payment of {$0.00} and PSLF. I wanted the payments to count towards my repayment numbers. I have repeatedly sent in my employment verification however only one has been verified for the last 5 years. I also repeatedly called to request that they retroactively remove the in school deferment however to this day I am still in deferment. With the new bill signed into law I am demanding they remove the in school deferment and retroactively remove any deferment on my account so that I may be forgiven for a large amount of my loan sooner. I have called for the last three years and only got through to a real person twice and filed complaints and sent emails via their website to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I am filing this complaint because all three major credit bureaus XXXX XXXX  and TransUnion are reporting a fraudulent collection account from XXXX XXXX XXXX ( original creditor : XXXX XXXX XXXXXXXX XXXX XXXX that was opened in my name without my knowledge or consent. 

I am a confirmed victim of identity theft and a documented victim of the XXXX  data breach. I have submitted to all three bureaus : An FTC Identity Theft Report A completed and signed IRS Form 14039 ( Identity Theft Affidavit ) A copy of my government-issued ID A utility bill/proof of address Under FCRA 605B ( 15 U.S.C. 1681c-2 ), the credit bureaus are required to block and delete identity theft-related accounts within four ( 4 ) business days of receiving proper documentation. That has not been done. 

Additionally, this continued reporting violates : FCRA 1681i failure to conduct a reasonable reinvestigation FCRA 1681s-2 duties of furnishers to investigate and correct FCRA 1681b lack of permissible purpose to report fraudulent tradelines The account is causing harm to my credit and finances, and I am requesting the CFPB take immediate action to enforce deletion of this account from all three credit reports and ensure full compliance with the Fair Credit Reporting Act.

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