vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-20 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: FL

Complaint narrative:
I'm writing to formally dispute and demand the immediate deletion of a credit inquiry that was made without my knowledge or consent. I did not give this company or anyone acting on its behalf permission to access my credit report. This is an unauthorized inquiry and, as far as Im concerned, its either a serious mistake or an act of fraud. Either way, it has no business being on my report and needs to be removed immediately.

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 2025-06-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: The CBE Group, Inc.
State: CA

Complaint narrative:
To Whom It May Concern, 15 U.S CODE 1681 C-2 I am writing to formally dispute an account that has been reported to the credit bureaus under my name and is now being handled by CBE Group XXXX This account does not pertain to me, and I am requesting its immediate removal from my credit report. 

Several years ago, I contacted the original creditor ( prior to its transfer or sale to CBE Group ) and requested a copy of the signed contract or documentation verifying my obligation to this debt. To date, no such documentation has been provided. I do not recall the exact dates of this communication, but I made it clear at the time that I did not recognize the account as mine. 

The debt has since been transferred or sold to CBE Group, which is now seeking payment. However, I continue to dispute the validity of this debt. In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting : 1. Verification of the alleged debt, including all supporting documentation ; 2. Immediate removal of this account from my credit file if verification can not be provided ; 3. Written confirmation of the results of this dispute for my records. 

I take the accuracy of my credit report seriously, and I expect this matter to be addressed promptly. Please note that failure to properly investigate or respond to this dispute may result in escalation to the Consumer Financial Protection Bureau ( CFPB ) or other appropriate regulatory authorities

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: LA

Complaint narrative:
I am filing this complaint against the following entities for willful violations of the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ) : Credit Reporting Agencies : Experian, Equifax, and TransUnion Debt Collector : XXXX XXXX XXXX ( XXXX ) Furnishers : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX Despite multiple disputes and direct requests under the FCRA ( 15 U.S. Code 1681i ) and FDCPA ( 15 U.S. Code 1692g ), the credit reporting agencies continue to respond with verified outcomes without supplying any documentation or proof of verification. I have not been shown : Any method of verification used by the credit bureaus for the late payments allegedly reported by XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX Any proof of billing statements or receipt of notice at least 21 days prior to the due date, as required for accurate reporting under fair billing practices Any evidence that a proper investigation was conducted as required under federal law Additionally, XXXX XXXX XXXX XXXX XXXX ) has continued to attempt debt collection without validating the debt per 15 USC 1692g . More seriously, they are not licensed to collect debt in the State of Louisiana, which is a direct violation of state and federal consumer protection laws.

This conduct has severely damaged my creditworthiness, resulting in credit denials, higher interest rates, and financial harm. These parties are willfully reporting, collecting, and verifying inaccurate or unsubstantiated informationwhile failing to adhere to the legal validation and investigation requirements.

I am demanding the following : Immediate deletion of all unverifiable or improperly verified accounts from all credit reporting agencies Full debt validation and proof of licensing from XXXX XXXX XXXX or removal of their tradeline Financial compensation to the fullest extent allowed under the law for the harm caused to my credit profile and financial opportunities A formal investigation into these violations of my rights under the FCRA and FDCPA Please consider this an official and urgent complaint. I am including all supporting documents, dispute letters, and credit reports to assist with the investigation. 

Sincerely, 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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than XXXX business days after the date of receipt. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: NV

Complaint narrative:
Good day, I am submitting a complaint to inform you that I have fallen victim to identity theft. Following the guidelines outlined in the Fair Credit Reporting Act ( FCRA ) Section 605b, I have reported the incident to the Federal Trade Commission ( FTC ) through their website at https : //www.ftc.gov. According to the FCRA, Credit Reporting Agencies are mandated to investigate any items listed on an identity theft report. Please refer to the attached documents, which will assist in the investigation of the erroneous information currently being posted on my credit report. The following items do not belong to me or were opened without my permission. As per FCRA Section 605B ( a ), Credit Reporting Agencies are required to investigate any information in the consumer 's file that the consumer identifies as resulting from alleged identity theft, not later than XXXX business days after the date of receipt. 
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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Second Claim This claim serves as a formal demand to Transunion for immediate compliance with federal consumer protection laws under 12 C.F.R. 1022.142 and the XXXX  Victims Protection Act ( 22 U.S.C. 7102 ( 11 ) - ( 12 ) ).

I am a verified victim of a severe form of XXXX XXXX as documented by an authorized non-governmental organization. On XX/XX/2025, I submitted to XXXX  the following items : A XXXX  verification letter issued by XXXX XXXX XXXX, A personal written statement identifying specific adverse tradelines related to my XXXX  experience, and Proof of my identity and residential address. 

These documents were submitted in accordance with 12 C.F.R. 1022.142, which requires credit reporting agencies to block adverse credit information within four ( 4 ) business days of receiving proper documentation. However, rather than blocking the identified tradelines, XXXX  treated my submission as a standard credit dispute. This is a direct violation of federal law, which explicitly prohibits reinvestigation or reliance on creditor verification when a trafficking determination has been provided.Your failure to block the adverse information within the required timeframe has caused continued emotional and financial harm and constitutes a willful or negligent violation of my rights under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Problem with a company's investigation into an existing issue — Problem with personal statement of dispute
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I was contacted by American Express earlier this year about an account I didn't have. When I told them I didn't have any accounts with American Express, they seemed to take me seriously and said they would take care of it and close the account, or at least " note in the system '' that it was fraudulent. Weeks go by, and I continue to receive emails from American Express. Finally I get a call about a past due payment, and I say again that it isn't me. So I had to go do a bunch of errands and paperwork, including filing a police report and getting a signed Affidavit notarized. I sent all of the info, and just noticed I got a letter in the mail saying, " Unfortunately, we have determined that this loan ( s ) was not taken by fraudulent means. '' It absolutely WAS fraudulent, I never opened this account, they didn't even use my current address! How this company is making this MY problem is beyond me. Why isn't it this hard to sign UP FOR THE LOAN??? This is RIDICULOUS. 
I will take legal action against American Express if they do not resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: NV

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 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: NV

Complaint narrative:
When I reviewed my credit report, I discovered that some of the information was erroneous. The 3 credit bureaus must validate these accounts in line with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). It is not authorized to fail to validate this reporting account as unverified information without providing any proof within the period allowed by law. The following accounts need to investigate the erroneous reporting in my file and are listed on my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$0.00}

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 2025-06-20 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: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

I looked at my Experian, XXXX & XXXX credit report on XX/XX/year>2025 and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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:
Recently I looked at my credit file and found information that can't be verified and information that are not accurate. Under 15 US code 1681e ( b ) and 15 use 1681i ( 5 ) this data on my credit is a clear violation of not reporting 100 % accurate.

The following accounts are results of Identity theft! Please take action and remove them from my credit report asap! 

FRAUDULENT ACCOUNTS : Account Name : XXXX XXXX XXXX XXXX # XXXX - Date Opened XX/XX/XXXX Account Name : XXXX # XXXX - Date Opened XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-20 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: I.C. System, Inc.
State: GA

Complaint narrative:
I am submitting a complaint againsXXXX XXXX XXXX XXXX XXXX for their failure to remove inaccurate accounts from my credit report, which is a direct violation of the Fair Credit Reporting Act ( FCRA ). Despite providing the necessary documentation to prove the inaccuracies, XXXX has not fulfilled its legal obligations under the FCRA, including ensuring maximum possible accuracy of my credit report ( 15 U.S.C. 1681e ( b ) ) and conducting a proper reinvestigation to remove the errors within the required 30-day period ( 15 U.S.C. 1681i ( a ) ).

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 2025-06-20 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:
On XX/XX/year> I pulled my credit report and after careful review I noticed fraudenlent accounts listed on my credit report. I was a victim of identity theft due to a Equifax breach and my information was stolen. I have disputed the items with the credit bureaus but they are still reporting the negative information and I am unable to obtain credit that I need. Please investigate this matter. Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
On XXXX XXXX XXXX, I submitted a formal debt validation request, which was delivered and signed for on XXXX XXXX XXXX. Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g ( b ), they were legally obligated to cease all collection efforts and provide verification of the debtincluding a signed agreement, detailed balance breakdown, and legal assignment documentation.

To date, Sunrise Credit has failed to provide any response. Their continued failure to validate the debt violates FDCPA 1692g ( b ) and also raises concerns under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681s-2 ( b ) if they are reporting unverifiable data to the credit bureaus. I am now filing this complaint due to their noncompliance.

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 2025-06-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I am a Massachusetts resident. XXXX XXXX XXXX currently holds two accounts ( one for XXXX XXXX, and the other for Citi Bank ) related to my name. During a recent phone call where both accounts were being discussed, when I said I needed to think about the offer and call the following day ( and tried to leave the conversation ), the representative made statements indicating that the account was in a pre-legal phase and implied that if I did not agree to set up payments, they could not guarantee it would remain in that status. I believe this was intended to create false urgency and improper pressure regarding potential legal action, which I understand may violate the FDCPA and Massachusetts debt collection regulations. 

When I continued to tell the representative that I needed to consider their offer and would return the call the next day, they believed I would not call back. They then stated that if I did not follow up as promised the following day, they would then assume that I was " refusing to pay, '' and would treat it as such. I believe this misrepresents my rights under Massachusetts law and constitutes an unfair collection practice. I am trying in good faith to resolve this, and being pressured to immediately accept terms and make a payment, as well as threatening to interpret my need to think through a large decision as a refusal to cooperate and address an account, is not conducive to resolving the account. 

During the same call, XXXX used New York state disclosures instead of Massachusetts disclosures, even though my Massachusetts address was the most recently updated address on my credit report at the time that XXXX had accessed my credit report. I could see this from downloading my annual reports. 

Both the representative and supervisor gave only first names, not full names or employee IDs. While I understand this does not violate federal requirements, I believe it violates Massachusetts ' requirements for meaningful disclosure of identity in oral communications. My understanding is this consists of both a first and last name or an employee ID. 

I am attempting to resolve the accounts and move forward with my life, but I believe these actions violate consumer protections. I am asking that these issues be corrected and that I am given an opportunity to resolve the accounts fairly, with proper disclosures and reasonable treatment of someone acting in good faith.

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