vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TekCollect Inc.
State: TN

Complaint narrative:
The XXXX Collector has repeatedly failed to comply with FDCPA ( 15 U.S.C. 1692g ( b ), 1692c ( a ) ( 1 ) ) and FCRA ( 15 U.S.C. 1681s-2 ) : This generic statement " placed the account in dispute. We will send validation to the consumer. ", without providing Debt Validation and Proof of Claim, nor via the CFPB portal, is a stall tactic designed to delay compliance and potentially induce the consumer to initiate contact. 

I submitted a second complaint demanding Debt Validation and Proof of Claim, including the debt amount, original contract bearing my signature, full accounting, and proof of their ownership. The XXXX Collector ignored my follow-up complaint, by not providing any of the requested documentation, concerning the alleged debt. 

Directing me to call/email is a cohesion tactic, attempting to provoke contact so they can continue collection before legally required validation, violating FDCPA 1692c ( a ) ( 1 ).

The Debt Collector has failed to provide both Debt Validation & Proof of Claim and has avoided oversight by not uploading any documentation via the CFPB XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15. U. S. C.

1681c2 ) that you, the Equifax credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX RECVRY - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$1100.00} XXXX XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number : XXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Hello, I am writing to delete the following information on my credit report. The following items are listed in the report. I am a victim of identity theft. The charges made on the account were not mine. The items need to be deleted as they are inaccurate items on my credit report. The theft of my identity was reported to the federal Trade Commission. Also, I have an enclosed copy of the Federal Trade Commission identity theft affidavit. Please find it in your best interest to delete the items I would like to emphasize the following legal obligations under the FCRA : XXXX XXXX, a consumer reporting agency XXXX furnish a consumer report only under specific circumstances, including " In response to the order of a court having jurisdiction to issue such an order, or a subpoena issued in connection with proceedings before a XXXX grand jury. '' This provision strictly limits when my consumer report can be furnished, and I do not believe any of these circumstances apply in this case. 

Under 15 U.S.C. 1681i ( a ) ( 1 ) ( A ), credit bureaus must conduct a " reasonable reinvestigation '' upon receiving notice of a consumer dispute. I am formally notifying you of this dispute, and I expect a thorough and reasonable reinvestigation of all items I've identified.

15 U.S. Code 1681b outlines the permissible purposes of consumer reports, including conditions for furnishing and using consumer reports for employment purposes. I do not believe any of these permissible purposes apply to the disputed items on my report.

15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any. 

information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than XXXX business days after the date of receipt. 

15 U.S. Code 1681 Section B ( i ) - Requirements relating to reinsertion of previously deleted material - If a consumer reporting agency removes information from someone's credit file based on the requirements in the preceding section ( A ), the agency can not re-add or reinsert that previously deleted information back into the person 's file unless the entity that originally provided that information certifies that it is complete and accurate.

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 2025-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am submitting this dispute regarding fraudulent accounts listed on my credit report. These accounts are false, unauthorized, and completely unrelated to me. Their presence undermines the accuracy of my report and damages my financial reputation.

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 2025-09-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to dispute fraudulent accounts that have been wrongfully reported under my name. I did not authorize these accounts, nor do I have any affiliation with them. Their inclusion represents inaccurate information that misrepresents my financial standing and unfairly harms my credit report.

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 2025-09-12 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: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
American Express continues to report XXXX small business accounts ( ending in XXXX and XXXX ) on my personal credit file even though they can not validate that I am personally liable. In their written response, Amex admitted they can not produce the original signed applications for these accounts ( opened in XXXX ). Without this documentation, there is no proof I personally guaranteed repayment. 

Amex previously sued me twice on these accounts but dismissed both lawsuits without prejudice, meaning there was never any judgment or proof of liability. Despite this, Amex continues to report negative tradelines on my personal credit, causing ongoing damage. 

In addition, I suffered catastrophic hardship due to XXXX XXXX ( XX/XX/XXXX ), including the loss of my home. Amex failed to acknowledge or apply any hardship protections, despite my outreach. 

I also attempted to dispute fraudulent charges and requested card freezes. Amex mishandled these requestsfraud claims were closed without proper communication, and charges continued even when I believed the cards were frozen. 

XXXX response fails to address these issues and ignores the fact that they can not validate the debt. Their reporting is inaccurate and misleading under the Fair Credit Reporting Act

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I hereby submit this dispute concerning fraudulent accounts that are currently being reported under my credit profile. I have no knowledge of these accounts, nor have I authorized their creation. Their inclusion is false, misleading, and detrimental to the accuracy of my credit history.

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 2025-09-12 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: FL

Complaint narrative:
I recently reviewed a copy of my credit report and noticed inaccurate fraudulent accounts due to the national data breach and has been hindering my ability to obtain credit. These accounts have been reinstated without my CONSENT, NOTIFICATION or METHOD OF VERIFICATION after being REMOVED and DELETED OVER FOUR TIMES. This has been an ongoing ASSAULT OF AGGRAVATED IDENTITY THEFT ( 18 U.S.C. 1028A ). PLEASE REFER TO THE ATTACHED DOCUMENTS

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Subject : Dispute of Inaccurate Credit Reporting under the FCRA To Whom It May Concern, I am writing to formally dispute inaccurate information being reported on my Experian credit report, as I have the right to do under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i.

The account listed below contains inaccurate and unverifiable information and must be corrected or deleted : Creditor Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX Status Reported : Charged off, {$1200.00} past due as of XX/XX/XXXX Basis of Dispute : The reported balance and past-due amount of {$1200.00} are not accurate and are inconsistent with my records. 

The charge-off status is being reported in a misleading and incomplete manner, which negatively impacts my credit profile. 

The dates and account history appear inconsistent, and Experian has not provided verification from the original creditor. 

Under the FCRA, Experian is required to : Conduct a reasonable investigation of my dispute, Verify the accuracy of this information with the original furnisher, and Delete or correct any information that can not be verified.

Please complete your reinvestigation within 30 days of receiving this letter and provide me with written results, including an updated copy of my credit report. If the furnisher can not verify the information, you must remove it from my report. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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:
The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX, Louisiana XXXX Incorrect Name- XXXX, XXXX, XXXX - The following personal information is incorrect - Please delete this from my credit report. 


The following previous addresses are wrong : Incorrect Name - XXXX XXXX XXXX - The following personal information is incorrect - Please delete this from my credit report.Incorrect Address - XXXX XXXX XXXX, XXXX, LA, XXXX - The following personal information is incorrect - Please delete this from my credit report.Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, LA, XXXX - The following personal information is incorrect - Please delete this from my credit report.Incorrect Address - XXXX XXXX XXXX, XXXX, LA, XXXX - The following personal information is incorrect - Please delete this from my credit report.EMPLOYER - XXXX XXXX XXXX XXXX - The following personal information is incorrect - Please delete this from my credit report. 


Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting. 

Thank you.

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 2025-09-12 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: LA

Complaint narrative:
The following personal information is reporting incorrectly on my credit report : Name : The correct spelling of my name XXXX XXXX Current Address : My correct current address is : XXXX XXXX XXXX XXXX, Louisiana XXXX Incorrect Name- XXXX, XXXX, XXXX - The following personal information is incorrect - Please delete this from my credit report. 


The following previous addresses are wrong : Incorrect Name - XXXX XXXX XXXX - The following personal information is incorrect - Please delete this from my credit report.Incorrect Address - XXXX XXXX XXXX, XXXX, LA, XXXX - The following personal information is incorrect - Please delete this from my credit report.Incorrect Address - XXXX XXXX XXXX XXXX, XXXX, LA, XXXX - The following personal information is incorrect - Please delete this from my credit report.Incorrect Address - XXXX XXXX XXXX, XXXX, LA, XXXX - The following personal information is incorrect - Please delete this from my credit report.EMPLOYER - XXXX XXXX XXXX XXXX - The following personal information is incorrect - Please delete this from my credit report. 


Please update my credit file to reflect the proper spelling and data as I have indicated above. Please also remove the old inaccurate addresses. I do not want to be mistaken for someone else because of these errors that you are reporting. 

Thank you.

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 2025-09-12 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: KY

Complaint narrative:
I am writing to formally file a complaint against Equifax for failure to comply with the Fair Credit Reporting Act ( FCRA ), specifically Section XXXX, which provides critical protections for survivors of XXXX XXXX 

As a victim of human trafficking, I submitted a request to Equifax on XX/XX/XXXX to have adverse information on my credit reportdirectly resulting from my trafficking experienceremoved in accordance with Section 605C. This request included : A completed self-attestation form identifying the information related to my trafficking situation. 
Proper documentation, as outlined by the XXXX XXXX XXXX XXXX, supporting my status and request. 

Despite providing all necessary and legally required documentation, On XX/XX/XXXX, Equifax has failed to act in compliance with the law. Instead of removing the unauthorized and harmful information, Equifax responded by claiming that my self-attestation form is invalid, without offering any explanation, justification, or guidance on what is allegedly deficient. 

This is in stark contrast to the actions of TransUnion and Experian, who reviewed the exact same documentation and have fully complied with my request without conflict. 

I am requesting that the CFPB take immediate action to investigate Equifaxs non-compliance and ensure enforcement of my rights under FCRA XXXX. Survivors of trafficking should not be subjected to further harm or discrimination when attempting to recover and rebuild their lives. 

I appreciate your attention to this matter and respectfully ask for your assistance in ensuring that Equifax honors its legal obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

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

1681c2 ) that you, the Experian credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within XXXX business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX Date : XX/XX/XXXX 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 XXXXXXXX - Account Number : XXXXXXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$3700.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$4000.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXXXXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2700.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer XXXX credit report. Ive attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the said fraudulent items. I do not recognize these accounts, collections and hard inquiries as reported. The aforementioned accounts, collections and hard inquiries appearing on my consumer credit report maintained by you were not opened, made or initiated by me. 
All of the said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a result of identity, theft, and fraud.

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 2025-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This correspondence is to dispute fraudulent accounts currently associated with my credit profile. These accounts do not belong to me, were not authorized by me, and are false in nature. Their inclusion misrepresents my financial responsibility, damages my credit standing, and creates an inaccurate record of my history.

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 2025-09-12 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
This dispute concerns fraudulent accounts that are listed under my name without my knowledge or consent. I did not authorize these accounts, nor do I have any connection to them. Their inclusion damages my financial credibility and reflects information that is completely false.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-12 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: MI

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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