vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-11 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: SD

Complaint narrative:
I hope this complait finds you well. I am writing to follow up on the previous complaints I submitted concerning specific items on my credit report. 
To date, I have not received any response or update regarding the resolution of the disputes I submitted to the credit bureaus. While I understand that these investigations can take time, I would appreciate an update on the current status and any progress that has been made toward resolving the matters outlined in my earlier correspondence. 
Below is a list of the items I am requesting to be removed from my credit file. 
AFFIRM XXXX XXXX * * Balance Owed : {$0.00} XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$430.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$1700.00} XXXX OF XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$1400.00} XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX Balance Owed : {$0.00XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2200.00} AFFIRM XXXX XXXX * * Balance Owed : {$1200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$690.00} XXXX  Original Creditor : XXXX XXXX XXXX XXXX XXXX Balance Owed : {$2500.00} XXXX XXXX XXXX Balance Owed : {$6800.00}

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 explanation
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) due to serious violations of my rights. Specifically, one or more credit reporting agencies ( CRAs ) have reinserted fraudulent accounts on my credit reportpreviously deleted after disputewithout complying with the legal notice and reinvestigation requirements set forth in the FCRA.

FCRA Violations Cited : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : If a CRA reinserts deleted information, it must notify the consumer within 5 business days and identify the furnishers name, address, and phone number.
15 U.S.C. 1681c-2 ( FCRA 605B ) : A valid FTC Identity Theft Report requires CRAs to block and permanently suppress fraudulent information.

15 U.S.C. 1681g ( a ) : Consumers are entitled to full disclosure about sources of adverse information on their credit files. 



Fraudulent Accounts Reinserted : XXXXXXXX XXXX XXXX  XXXX Account ending in XXXX Fraud began : XX/XX/XXXXXXXX  | Discovered : XX/XX/XXXXXXXX XXXX XXXXXXXX Account ending in XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXXXXXX XXXX XXXXXXXX Account ending in XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX These accounts were previously identified as fraudulent, removed, and are now showing on my credit report again without proper notice or validation. This is a willful violation of my consumer rights. 



Additional Harms : My personal informationincluding my name and employment ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) has been misused. The reappearance of these fraudulent accounts has negatively impacted my creditworthiness, causing distress and potential financial harm. 



Requested Resolution : 1. Immediate and permanent deletion of the fraudulent accounts listed above from Equifax, Experian, and TransUnion.

2. A written explanation from the CRAs outlining : Why the accounts were reinserted, Which furnisher reported them, And why no consumer notice was provided.

3. Full contact information of the data furnishers, as required by FCRA.

4. A formal investigation into FCRA violations by the CRAs and/or furnishers.

5. Implementation of measures to prevent future violations.

6. Optional : I reserve the right to pursue damages under FCRA 616 ( willful noncompliance ) or 617 ( negligent noncompliance ) if necessary. 



I have attached my FTC Identity Theft Report # XXXX for your reference. I respectfully request that the CFPB investigate this matter fully and help ensure my credit profile is restored and protected from future illegal activity. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: CA

Complaint narrative:
I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ) due to serious violations of my rights. Specifically, one or more credit reporting agencies ( CRAs ) have reinserted fraudulent accounts on my credit reportpreviously deleted after disputewithout complying with the legal notice and reinvestigation requirements set forth in the FCRA.

FCRA Violations Cited : 15 U.S.C. 1681i ( a ) ( 5 ) ( B ) : If a CRA reinserts deleted information, it must notify the consumer within 5 business days and identify the furnishers name, address, and phone number.
15 U.S.C. 1681c-2 ( FCRA 605B ) : A valid FTC Identity Theft Report requires CRAs to block and permanently suppress fraudulent information.

15 U.S.C. 1681g ( a ) : Consumers are entitled to full disclosure about sources of adverse information on their credit files. 



Fraudulent Accounts Reinserted : XXXXXXXX XXXX XXXX  XXXX Account ending in XXXX Fraud began : XX/XX/XXXXXXXX  | Discovered : XX/XX/XXXXXXXX XXXX XXXXXXXX Account ending in XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXXXXXX XXXX XXXXXXXX Account ending in XXXX Fraud began : XX/XX/XXXX | Discovered : XX/XX/XXXX These accounts were previously identified as fraudulent, removed, and are now showing on my credit report again without proper notice or validation. This is a willful violation of my consumer rights. 



Additional Harms : My personal informationincluding my name and employment ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX ) has been misused. The reappearance of these fraudulent accounts has negatively impacted my creditworthiness, causing distress and potential financial harm. 



Requested Resolution : 1. Immediate and permanent deletion of the fraudulent accounts listed above from Equifax, Experian, and TransUnion.

2. A written explanation from the CRAs outlining : Why the accounts were reinserted, Which furnisher reported them, And why no consumer notice was provided.

3. Full contact information of the data furnishers, as required by FCRA.

4. A formal investigation into FCRA violations by the CRAs and/or furnishers.

5. Implementation of measures to prevent future violations.

6. Optional : I reserve the right to pursue damages under FCRA 616 ( willful noncompliance ) or 617 ( negligent noncompliance ) if necessary. 



I have attached my FTC Identity Theft Report # XXXX for your reference. I respectfully request that the CFPB investigate this matter fully and help ensure my credit profile is restored and protected from future illegal activity. 

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 2025-07-11 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: TX

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 2025-07-11 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I first heard from this collection agency on XX/XX/XXXXXXXX  regarding a small debt they claim I owe ( which I am disputing ) from XXXX  from the XXXX XXXX XXXX XXXX XXXX XXXX XXXX. They contacted me via email. I immediately reached out to the XXXX XXXX XXXX XXXX XXXX XXXXXXXX for clarification, as I had no idea what this was for, and I have been in contact with them since trying to get to the bottom of the supposed debt. I was hoping for quick resolution with this office, but they are extremely difficult to get ahold of and it has taken extreme effort from me to speak to people there ( can provide extensive call records, emails, XXXX  meeting, etc! ). 

As it's been an incredibly frustrating situation with the city, I moved forward today to respond to the collections agency ( Caine & Weiner ) and sent them a debt validation letter via certified mail ( XX/XX/XXXXXXXX  ). This same evening, my mom called me and informed me that Caine & Weiner texted her about my debt. Despite the fact that they have my current and accurate phone number, email, and address, they instead contacted my mother and shared with her personal information about my alleged debt. This violates my rights under the FDCPA and I am extremely upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: FL

Complaint narrative:
I've recently received a copy of my credit report and noticed several inaccuracies and unauthorized accounts/information reporting to my credit report. These remarks have been detrimental to my life and credit healt |

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: NY

Complaint narrative:
The Accounts And Inquiries Listed In My Identity Theft Report Were Fraudulently Open By An Unknown Individual. I Did Not Give Any Consent To These Accounts And Inquiries.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 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: SC

Complaint narrative:
The credit bureaus are reporting incorrect names, and incorrect addresses to 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 2025-07-11 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: 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
This is a formal notice regarding an unresolved matter with TransUnion concerning an account reported on my credit file. In accordance with the Fair Credit Reporting Act ( FCRA ), Fair Debt Collection Practices Act ( FDCPA ), and guidance from the Consumer Financial Protection Bureau ( CFPB ) and Federal Trade Commission ( FTC ), I previously requested a full validation of this alleged debt. 

To date, TransUnion has not provided any documented verification from the original creditor or factual evidence proving that this account belongs to me. Without such documentation, TransUnion is in violation of the consumer protection statutes that govern debt reporting and verification. Accounts : XXXX XXXX XXXX and XXXX XXXX XXXX Therefore, I am formally requesting the following : 1. A complete debt validation package in compliance with the FDCPA, including : A copy of the original signed agreement bearing my signature. 
A full accounting of the alleged debt and any payment history. 
Proof of legal ownership or assignment of the debt to the current reporting party. 
2. If such verification can not be produced, I demand that this account be deleted from my credit report immediately, as unverified accounts can not be lawfully reported.

Failure to act on this matter in a timely and compliant manner may result in a formal complaint to the CFPB and additional legal remedies as allowed under federal 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 2025-07-11 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 am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a stall tactic on your part to grant you an additional 30 days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

I have attached a copy of my government issued ID as well as mail showing proof of address. So, there shouldnt be any confusion or stall tactics on your end. I have maintained a careful record of my communications with you for the purpose of filing a complaint with the FTC should you continue in your non-compliance.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Yes, I sent a debt validation letter to XXXX XXXX XXXX requesting proof of the alleged debt, including documentation of ownership, assignment, and a signed contract. 

They responded with a 10-page packet containing only billing statements and a generic sale letter from Synchrony Bank that lacked identifying information and did not prove they had legal ownership or authority to report or collect on the debt. 

Despite my request, they have not provided proper validation, have not shown a contract bearing my signature, and are still reporting this as a valid collection account. The documents they provided do not meet the legal standard for debt validation under FDCPA 15 U.S.C. 1692g, FCRA 1681s-2, and XXXX XXXX XXXX. 

I am requesting that this inaccurate and unverified account be removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Yes, I sent a debt validation letter to XXXX XXXX XXXX requesting proof of the alleged debt, including documentation of ownership, assignment, and a signed contract. 

They responded with a 10-page packet containing only billing statements and a generic sale letter from XXXX XXXX  that lacked identifying information and did not prove they had legal ownership or authority to report or collect on the debt. 

Despite my request, they have not provided proper validation, have not shown a contract bearing my signature, and are still reporting this as a valid collection account. The documents they provided do not meet the legal standard for debt validation under FDCPA 15 U.S.C. 1692g, FCRA 1681s-2, and Metro 2 compliance. 

I am requesting that this inaccurate and unverified account be removed from my credit reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CORELOGIC INC
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX Date : XX/XX/year>XXXX  To : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, CA XXXX Subject : Final Notice FCRA Violations for Failure to Investigate and Provide Full Consumer File | Intent to Pursue Legal Action To Whom It May Concern, This letter serves as final notice that XXXX XXXX XXXX XXXX XXXX is in violation of federal consumer protection laws, specifically the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq. 



On XX/XX/XXXX, XX/XX/XXXX and XX/XX/year> I lawfully submitted a written dispute concerning inaccurate or unverifiable information in my consumer file, along with a request for a full consumer file disclosure. Rather than fulfill your legal obligations, you have responded with vague and non-substantive stall letters, falsely claiming the need for additional identity verification or irrelevant documents despite having already provided sufficient documentation. 





Your Violations Include : Failure to Investigate Disputed Information Per 15 U.S.C. 1681i ( a ), you are required to conduct a reasonable reinvestigation of any disputed information and provide the consumer with the results within 30 days. You have failed to comply.

Failure to Provide Complete Consumer File Under 15 U.S.C. 1681g ( a ), I am entitled to a complete and timely consumer file disclosure. Your refusal to provide this is a clear and actionable violation.

Use of Stall Tactics to Delay or Deny Rights Sending template letters requesting redundant identity verification is considered bad faith behavior and a willful attempt to obstruct the dispute and disclosure process. This is not only unethical but legally actionable. 










LEGAL NOTICE If XXXX-Consumer Relations Dept does not comply with the following within 7 business days of receiving this letter : Conduct a proper reinvestigation and provide the results in writing, Provide me with my complete consumer file, and Remove or correct all unverifiable or inaccurate information from my file, I will immediately file a civil suit in Small Claims Court for the following : {$1000.00} per violation in statutory damages under FCRA 1681n, Actual damages as allowed under FCRA 1681o, Punitive damages for willful noncompliance, Court costs and legal fees. 




Let this letter serve as your final opportunity to resolve this matter outside of litigation. 



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 2025-07-11 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: VA

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-11 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY

Complaint narrative:
I have a collection from XXXX XXXX that was caused by capital one bank using an account that was not mine!

Company response to consumer: Closed with explanation