vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-19 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: GA

Complaint narrative:
I am writing this to you so you may help me stop the items from showing up on my credit reports. Other two Bureaus dealt with the same problem many inaccuracies and false information. There have been letter received to them but there are no changes occurred to my credit report as of now. I am attempted to refute : XXXXXXXX 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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 I - XXXX List of Unauthorized Inquiries : 15 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 XXXX 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 explanation
Consumer complaint received 2025-06-19 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: NV

Complaint narrative:
I am disputing the account for XXXX XXXX XXXX XXXX. This is my XXXX attempt over the past XXXX XXXX  to get this account removed. This company has not been able to verify any information verifying that this account is mine. I have stated several times that I am a victim of identity theft and the equifax XXXX, which I included that information below along with my disputes. I even reviewed my credit report again and noticed this account is reporting fraudulently based on this information : Extremely low payment history ( 3 % on-time ), marked profit/loss, closed by grantor, yet reporting as individual accountpossible fraudulent origin. Also This complaint is being filed because my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) have been violated. I recently pulled my TransUnion credit report and discovered a fraudulent account reporting from XXXX XXXX XXXX XXXX ( Account opened XX/XX/year> ). The account is falsely showing a charge-off with a balance of {$1100.00}. 

I have never opened or authorized this account. I am a victim of identity theft and part of the Equifax data breach, which has caused several false accounts to appear on my reports. XXXX XXXX XXXX XXXX has never provided me with any documentation, verification, or contact regarding this account, yet continues to report it to the credit bureaus. 

Despite multiple attempts to correct these errors, this fraudulent account is still damaging my credit profile and preventing me from obtaining new financial opportunities. 
This letter serves as a formal request under FCRA 605B ( 15 U.S.C. 1681c-2 ) to block and permanently remove this account from my credit profile. Additionally, this creditor is in violation of : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) for failing to investigate or provide accurate information 15 U.S.C. 1681s-2 ( b ) for continuing to report inaccurate or unverifiable information 15 U.S.C. 1681n for willful noncompliance, for which I reserve the right to seek damages of {$1000.00} per violation I demand that this account be manually reviewed, and not handled by an automated system like XXXX, which routinely results in improper outcomes. If this is not resolved and removed within the required timeframe, I will escalate this matter further with legal counsel. 

Attached are the following : My government-issued ID A copy of my credit report Supporting statement regarding the fraudulent activity I respectfully ask the CFPB to hold XXXX XXXX XXXX XXXX XXXX and ensure this item is permanently blocked and removed from my report. The credit bureaus have not even proven show they are verifying this information. I have gotten no response

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 2025-06-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I am disputing the account for XXXX XXXX XXXX XXXX. This is my XXXX attempt over the past XXXX XXXX  to get this account removed. This company has not been able to verify any information verifying that this account is mine. I have stated several times that I am a victim of identity theft and the equifax XXXX, which I included that information below along with my disputes. I even reviewed my credit report again and noticed this account is reporting fraudulently based on this information : Extremely low payment history ( 3 % on-time ), marked profit/loss, closed by grantor, yet reporting as individual accountpossible fraudulent origin. Also This complaint is being filed because my rights as a consumer under the Fair Credit Reporting Act ( FCRA ) have been violated. I recently pulled my TransUnion credit report and discovered a fraudulent account reporting from XXXX XXXX XXXX XXXX ( Account opened XX/XX/year> ). The account is falsely showing a charge-off with a balance of {$1100.00}. 

I have never opened or authorized this account. I am a victim of identity theft and part of the Equifax data breach, which has caused several false accounts to appear on my reports. XXXX XXXX XXXX XXXX has never provided me with any documentation, verification, or contact regarding this account, yet continues to report it to the credit bureaus. 

Despite multiple attempts to correct these errors, this fraudulent account is still damaging my credit profile and preventing me from obtaining new financial opportunities. 
This letter serves as a formal request under FCRA 605B ( 15 U.S.C. 1681c-2 ) to block and permanently remove this account from my credit profile. Additionally, this creditor is in violation of : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) for failing to investigate or provide accurate information 15 U.S.C. 1681s-2 ( b ) for continuing to report inaccurate or unverifiable information 15 U.S.C. 1681n for willful noncompliance, for which I reserve the right to seek damages of {$1000.00} per violation I demand that this account be manually reviewed, and not handled by an automated system like XXXX, which routinely results in improper outcomes. If this is not resolved and removed within the required timeframe, I will escalate this matter further with legal counsel. 

Attached are the following : My government-issued ID A copy of my credit report Supporting statement regarding the fraudulent activity I respectfully ask the CFPB to hold XXXX XXXX XXXX XXXX XXXX and ensure this item is permanently blocked and removed from my report. The credit bureaus have not even proven show they are verifying this information. I have gotten no response

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 2025-06-19 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: TN

Complaint narrative:
I previously filed CFPB complaint regarding a false collection from XXXX XXXX for a XXXX  account. XXXX claims the balance includes a {$60.00} dishonored check fee. 

I never paid XXXX by check. I paid the full {$1000.00} balance via XXXX XXXX on XX/XX/year>. XXXX issued a final bill showing a {$0.00} balance. This proves the check fee is fictional. 

The collection is invalid. It was removed from my credit before and has reappeared multiple times despite disputes. I am now requesting permanent removal and written closure. This is repeated false reporting under the FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX ( XXXX ) XXXX XXXX Request for Deletion of Unauthorized Hard Inquiries I am writing to formally request the removal of XXXX hard inquiries from my credit report associated with 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/year> I would like to express that I have no prior knowledge of these inquiries, nor did I authorize them. Consequently, I believe that they may have been recorded in error or as a result of fraudulent activity. 
According to the Fair Credit Reporting Act ( FCRA ), Section 604 ( 15 U.S.C. 1681b ), a consumer reporting agency may furnish a consumer report only for specific permissible purposes. As I did not authorize these inquiries, I am exercising my right to dispute their validity under FCRA Section 611 ( 15 U.S.C. 1681i ), which mandates that a consumer reporting agency must conduct a reasonable investigation and correct any inaccuracies. 
Therefore, I kindly request that you conduct an investigation into these matters and remove the hard inquiries from my credit report if they are found to be unauthorized. 
I appreciate your swift attention to this matter. Please inform me of your findings and any subsequent actions taken regarding my request. 
Thank you for your assistance. 
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 2025-06-19 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: EQUIFAX, INC.
State: NM

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NM XXXX XXXX ( XXXX ) XXXX XXXX Request for Deletion of Unauthorized Hard Inquiries I am writing to formally request the removal of XXXX hard inquiries from my credit report associated with 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/year> I would like to express that I have no prior knowledge of these inquiries, nor did I authorize them. Consequently, I believe that they may have been recorded in error or as a result of fraudulent activity. 
According to the Fair Credit Reporting Act ( FCRA ), Section 604 ( 15 U.S.C. 1681b ), a consumer reporting agency may furnish a consumer report only for specific permissible purposes. As I did not authorize these inquiries, I am exercising my right to dispute their validity under FCRA Section 611 ( 15 U.S.C. 1681i ), which mandates that a consumer reporting agency must conduct a reasonable investigation and correct any inaccuracies. 
Therefore, I kindly request that you conduct an investigation into these matters and remove the hard inquiries from my credit report if they are found to be unauthorized. 
I appreciate your swift attention to this matter. Please inform me of your findings and any subsequent actions taken regarding my request. 
Thank you for your assistance. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I settled an amount through a third party law firm with LVNV funding, the settled amount was {$2200.00} - I have been trying to get an updated settled settlement agreement for me to pay directly and not a 3rd party. 
Lvnv sold the account to resurgent whom is insisting I pay the full amount because I am not an attorney and they dont deal with consumers. They wont settle with me only a 3rd party however this account was settled and with a third party and Im just trying to pay the settled amount and they are refusing to honor it because Im not the settlement company. I do not see how that can be fair to a consumer/ I paid for a settlement agreement and made the payments and all I did was take over and have the payments come directly from me. I tried to make the payments but because I am not a law firm they are trying to take advantage of the situation and insist I pay in full a {$4500.00} amount when it was settled for {$2200.00}. XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: Early Warning Services, LLC
State: OH

Complaint narrative:
Subject : Request for Full Disclosure of Consumer Report Information Dear Consumer Financial Protection Bureau, My name is XXXX XXXX, and I am writing to request all information contained in the full consumer report that Early Warning has on me. I believe this information may assist in addressing concerns regarding this inquiry and ensuring my rights are protected.

Specifically, I am requesting A complete copy of the full consumer report that Early Warning has on me.

Any additional details or documentation related to this inquiry that may assist in resolving this matter.

I am seeking your assistance as the overseeing consumer agency to ensure that I receive all relevant information and that this issue is handled appropriately. Please let me know if additional documentation is needed to process my request.

You may contact me at [ your phone number ] or [ your email address ] for further communication. Thank you for your attention and support in this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: MO

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the XXXX  credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX MO XXXX ACCOUNTS : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-06-19 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: CA

Complaint narrative:
Subject : Immediate Action Required Violation of My Consumer Rights This letter serves as a formal demand for immediate correction and removal of certain items from my credit report due to violations of my federally protected rights under the Fair Credit Reporting Act. The following accounts have blatantly breached my rights to privacy and confidentiality, as outlined under 15 U.S.C. 1681, and I will not tolerate these illegal actions.

Violation of 15 U.S.C. 1681, Section 602 ( A ) : I am entitled to privacy, and these accounts are infringing on that right.

Violation of 15 U.S.C. 1681, Section 604 ( A ) : According to the law, no consumer reporting agency can furnish an account without my explicit written consent. I did not authorize these accounts to be reported.

Violation of 15 U.S.C. 1681c ( a ) ( 5 ) : No adverse items of information should appear on my report if they date back more than seven years, unless they are criminal convictions. These items are outdated and must be removed immediately. 

Violation of 15 U.S.C. 1681s-2 ( A ) ( 1 ) : If any party has knowingly or recklessly furnished inaccurate information to consumer reporting agencies, they are in direct violation of the law. I demand that these inaccuracies be addressed without delay.

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 2025-06-19 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: GA

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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the 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 non-monetary relief
Consumer complaint received 2025-06-19 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:
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 TILA US Code 1666B since I was never late. " I recently reviewed my consumer report and noticed an incorrect late payment record. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-19 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: NY

Complaint narrative:
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor 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

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 2025-06-19 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: FL

Complaint narrative:
I affirm that the inclusion of incorrectly reported late payment remarks on my accounts is a breach of the 15 USC 1666. Every payment linked to these accounts has been promptly made, and any departure from this precise reporting is unjust and unlawful.

Company response to consumer: Closed with explanation