vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-30 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: OH

Complaint narrative:
Date : XX/XX/year> To : Consumer Financial Protection Bureau XXXX. XXXX XXXX XXXX, XXXX XXXX Subject : Formal Complaint Unverified Collection Account Reported by Equifax ( FCRA/FDCPA Violations ) Dear Consumer Financial Protection Bureau , I am submitting this formal complaint against Equifax for reporting a collection account that does not belong to me. I have never done business with the collection agency listed on my Equifax credit report, and I am requesting that this account be permanently blocked and deleted in accordance with federal consumer protection laws. 
This tradeline was placed on my credit report without my consent and without any lawful verification. As a consumer, I am entitled to validation of any alleged debt under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ). 
Legal Basis for My Dispute and Request : 15 U.S.C. 1692g Validation of Debts ( FDCPA ) Under this section, I am formally requesting full validation of the alleged debt, including : A signed contract showing I agreed to a debt with this collection agency A Validation Letter documenting the assignment or purchase of the original debt A Forward Flow Agreement or sale agreement that lawfully transfers the debt to the collection agency 15 U.S.C. 1637b Billing Error Resolution ( TILA ) This statute gives consumers the right to request documentation and clarification of disputed charges, and it applies to any creditor or third-party reporting unverified debt.

15 U.S.C. 1692c ( c ) Cease and Desist Upon Dispute ( FDCPA ) Once a debt is disputed in writing and no contractual connection has been proven, the collector must cease further collection activity until full validation is provided. Equifax, as a party furnishing and publishing this data, is also liable for continuing to report unverifiable information. 
My Formal Requests to the CFPB : I respectfully ask the Consumer Financial Protection Bureau to : Investigate Equifaxs reporting of this unverified collection account Require the collection agency to produce a signed contract proving I owe the alleged debt and that they are authorized to collect it Obtain from the collection agency a valid assignment agreement or Forward Flow Agreement transferring the obligation to them If no such documentation exists, order the permanent blocking and deletion of this account from my Equifax credit file Enforce compliance with FCRA and FDCPA provisions, holding Equifax and the reporting collection agency fully accountable for improper reporting This collection tradeline is an unauthorized and harmful blemish on my credit report. I expect Equifax and the involved collection agency to comply with all relevant consumer protection laws. I am relying on the CFPB to help enforce these rights and correct this unlawful credit reporting activity. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: ALLY FINANCIAL INC.
State: SC

Complaint narrative:
My account with Ally Financial is current. The creditor is not reporting the information on the XXXX  report as current.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: IL

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: IL

Complaint narrative:
I value your help to REMOVED a portion of the data on my credit file that came about because of a FRAUD yet I have an Accounts passed on that should be taken out or remove. I've proactively remembered this report for a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness.

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 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision : XXXX  Account # : XXXX XXXXXXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX Account # : XXXX XXXX Account # : XXXXXXXX XXXX XXXXXXXX Account # : XXXXXXXX XXXX XXXX Account # : XXXX XXXX  XX/XX/XXXXXXXX XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXXXX/XX/XXXX XXXX. Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly.

4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

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 2025-04-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am submitting this complaint because I have sent multiple written requests to TransUnion, Experian, and Equifax asking them to remove inaccurate personal information from my credit reports. Despite my repeated efforts, the incorrect information, such as outdated addresses, name variations, and other personal identifiers remains on my file. 

This information is not only inaccurate, but it may also be contributing to mixed file issues or impacting the accuracy of my credit profile. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681e ( b ), credit reporting agencies are required to maintain procedures that ensure the maximum possible accuracy of the information they report. The continued presence of incorrect personal data suggests that these obligations are not being met.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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: LA

Complaint narrative:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 
Accounts in Question : XXXX XXXX XXXX XX/XX/XXXX Balance {$3700.00} XXXX XXXX XXXX XX/XX/XXXX Balance {$3500.00} XXXX XXXX XX/XX/XXXX Balance {$80000.00} XXXX  XX/XX/XXXX Balance {$150.00} XXXX XXXX XXXX XXXXXX/XX/XXXX Balance {$400.00} XXXX XXXXXX/XX/XXXX Balance {$2000.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 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:
This is a formal demand for the immediate correction of my credit file pursuant to the Fair Credit Reporting Act ( FCRA ), 15 U.S. Code 1681 et seq., which mandates that all information on a consumers credit report must be accurate, verifiable, and complete. This includes personal identifiers such as names and addresses.

I hereby demand that you permanently remove all inaccurate and outdated personal information from my credit report, including but not limited to : Any names or aliases that do not match my legal name : [ Insert Legal Name ] Any addresses other than my current and sole address : [ Insert Current Address ] Maintaining inaccurate personal information is a direct violation of FCRA 1681e ( b ), which requires that credit reporting agencies follow reasonable procedures to assure maximum possible accuracy of the information they report. You are also required to conduct a reinvestigation of any disputed item under FCRA 1681i ( a ) ( 1 ), within 30 days of the dispute. 

The continued inclusion of incorrect names and addresses not only violates federal law but hampers my ability to secure credit for the purpose of home ownership and business operations. This constitutes an unlawful interference in commerce, which the FCRA and the Federal Trade Commission ( FTC ) have deemed a violation of consumer rights. 

Further, if your agency fails to remove this inaccurate information, you may be held liable for willful noncompliance under FCRA 1681n and negligent noncompliance under FCRA 1681o, both of which allow for actual damages, statutory damages, punitive damages, and attorneys fees. Interfering with my right to access financial services as a result of your inaccurate reporting can also be considered a form of tortious interference in commerce and business under common law and could give rise to further legal actions. 

Let this letter serve as a final notice. If you do not correct my file and confirm these corrections in writing within 30 calendar days of receipt of this notice, I will proceed with filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), my State Attorney General, and initiate legal proceedings for damages under the FCRA and any other applicable consumer protection laws. 

Please send me written confirmation of the deletions and an updated copy of my credit report once the corrections have been made.

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 2025-05-01 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: SC

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute several hard inquiries listed on my TransUnion credit report. I did not authorize these inquiries and have never applied for credit with these companies on the corresponding dates. I have contacted some of the creditors, and they confirmed that no application or account exists under my name. 

Below is a list of the disputed inquiries for immediate investigation and removal : XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-04-30 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 : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sezzle Inc.
State: IL

Complaint narrative:
To Whom It May Concern, I am writing to file a formal complaint regarding an account that is currently being reported on my credit report by Sezzle Inc., Account # XXXX. 

I would like to state that I have no knowledge of this account, have never conducted any business with Sezzle Inc., and do not owe any debts to this company. Despite this, the account continues to be reported to the credit bureaus and is negatively impacting my credit score. 

I previously submitted a dispute directly to Sezzle Inc. requesting validation of this alleged debt, including documentation proving that I entered into a financial obligation with them. To date, they have failed to provide any verification or proof that this account is accurate or belongs to me. 

Under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ), I have the right to request and receive proper validation of a debt. Continuing to report this unverified account is a violation of my consumer rights. 

I respectfully request that the CFPB investigate this matter and require Sezzle Inc. to either : 1. Provide documented proof of this account, including a signed contract or other legal agreement bearing my name, or XXXX. Immediately remove this account from all credit reporting agencies due to lack of verification and failure to comply with federal consumer protection laws. 

I am attaching a copy of my identification and recent credit report showing the account in question for your reference. 

Thank you for your assistance in resolving this issue. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 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: OK

Complaint narrative:
I previously filed a formal complaint with the Federal Trade Commission ( FTC ) regarding unauthorized inquiries on my credit report. The reference number for that complaint is XXXX, filed on XX/XX/XXXX. 
Complaint Description : My credit report contains unauthorized inquiries that were made without my consent. Upon contacting the creditors responsible for these inquiries, they confirmed they have no evidence that I initiated these inquiries and lack any written or verbal authorization from me. 
Due to the lack of valid grounds for these inquiries, I formally requested their immediate removal. The credit bureau in question has not provided a satisfactory response, which is why I filed a complaint with the FTC. 
Details of Disputed Inquiries : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Equifax XXXX, XXXX XX/XX/XXXX Equifax Legal Grounds ( Fair Credit Reporting Act, FCRA ) : Permissible Purposes : Under Section 604, unauthorized inquiries do not meet the requirements for permissible purposes.

Handling of Unverifiable Information : According to Section 611, any inquiry that can not be verified must be removed.

Right of Verification : Section 609 grants me the right to verify each inquiry with an original signed contract.

Information Provider Responsibility : Section 623 requires that reported data is accurate and authorized.

Protection Against Identity Theft : Section 605A mandates the removal of unauthorized inquiries potentially related to identity theft.

Additional Legal Support : Cases such as Pintos v. Pacific Creditors Association ( 2010 ) and Dennis v. BEH-1, LLC ( 2002 ) reinforce that inquiries must meet the FCRA 's permissible purposes requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-30 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
We had a problem with our payments last year and asked for help, but we were constantly transferred to different departments within the company, and none of our issues were ever resolved. We also had a three-way call with our insurance advisor and XXXX XXXX customer service to try to resolve the situation with her assistance, but we were still unable to fix everything. Eventually, we gave up on some issues and settled based on their only acknowledgment, an escrow surplus they said we had. We were told a check would arrive in the mail, but that never happened.

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 2025-05-01 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: CT

Complaint narrative:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Credit denial
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting a follow-up to CFPB Complaint # XXXX, originally filed on XX/XX/2025. 

XXXX XXXX XXXX continues to report a disputed account on my credit reports with XXXX and TransUnion. 

Despite my dispute and Method of Verification ( MOV ) request, no documentation has been provided. XXXX failed to produce a signed contract, payment history, or any evidence of account validity. This violates : FCRA 611 unverified information must be deleted.

FCRA 623 ( a ) ( 3 ) furnishers must conduct a reasonable investigation. 

Additionally, on XX/XX/, 2025, the company responded via the CFPB portal and stated that there may be potential fraud involved. Yet, the account remains on my credit report with no resolution, exposing me to continued harm.

The continued reporting of an account that may be fraudulent, without any supporting documentation, is a clear violation of federal law and causing ongoing credit damage. I request immediate relief and enforcement action.

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 2025-05-01 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital one credit card is the only one that I know about it may have happened in XXXX and make my credit score low and keep trying to get me to pay for something that I didnt open up or approve of

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: ENCORE CAPITAL GROUP INC.
State: IL

Complaint narrative:
XXXX XXXX has sold the account to midland collect agents, I did not give permission for anyone to open an account in my name.i have told many time to midland that this is not my account. I ask them several times to please remove this from my credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-01 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 submitted an FTC report with the company as well as the credit bureaus. Transunion added the account back on my credit report and declined to accept my FTC report. I dont know what else they are trying to request from me. This account was opened awhile back by someone else who stole my identity. I hired a credit repair company to try and help me with this account and they failed to do so. I then contacted the FTC reporting that credit repair company. They guided me on the proper way to handle this matter. Transunion is in direct violation with Fair Credit Reporting Act ( FCRA ). The FCRA prohibits the credit bureaus from using abusive, unfair, or deceptive practices, and a refusal to acknowledge or act upon an FTC report could be seen as a form of deception or unfair practice.

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