vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Formal Dispute of Inaccurate and Unverified Information on Credit Report To Whom It May Concern, I am writing to dispute several inaccurate and unverifiable entries on my Experian credit report. This request is made under my rights provided by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and the Fair Credit Billing Act ( 15 U.S.C. 1666b ) regarding the duty to provide timely and accurate notice of delinquencies and account closures. 

The following items are disputed as inaccurate, incomplete, or unverified : 1. XXXX XXXX XXXX XXXX reported late payments ( 30120 days ). Please provide proper verification, including account statements and notices required by law, or delete this entry. 
2. XXXX ( Collections ) reported collection account. Provide complete documentation, including original creditor agreement, payment history, and proof of compliance with 15 U.S.C. 1692g ( validation of debts ), or remove. 
3. XXXX XXXX XXXX XXXX XXXX Charge-Off reported charge-off status. Please provide original notices of delinquency and charge-off, as required under 15 U.S.C. 1681s-2 ( a ) ( 7 ) ( duty to notify consumer of negative credit reporting ). If such documentation can not be furnished, this account must be deleted. 
4. Closed Accounts with Negative History multiple closed accounts continue to reflect derogatory remarks. Under 15 U.S.C. 1681s-2 ( a ) ( 2 ), furnishers must ensure that information is complete and updated. A closed account should not report new delinquencies or incomplete status codes. 

My rights under the law require the following : A reasonable reinvestigation of each disputed item ( 15 U.S.C. 1681i ). 
Removal of all information that can not be verified within 30 days. 
Written notice of investigation results and the updated credit file provided to me. 

If Credit reporting agency and the furnishers can not substantiate these items with full and proper documentation, they must be immediately deleted from my report. 

Enclosed are copies of my government-issued ID and utility bill for identity verification.

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 2025-09-03 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: NC

Complaint narrative:
I am filing this complaint because the consumer reporting agency is willfully and negligently violating the Fair Credit Reporting Act ( FCRA ) by continuing to report fraudulent accounts and unauthorized inquiries that resulted from a data breach. Despite my submission of a formal dispute under Section 605B [ 15 U.S.C. 1681c-2 ] with a sworn affidavit and proof of identity, the agency has failed to block or delete the disputed items within the required four business days. Additionally, the agency has not provided any verifiable proof bearing my signature or electronic signature, as required under Section 604 [ 15 U.S.C. 1681b ], to justify the permissible purpose of these inquiries. These actions violate my consumer rights under federal law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: ADS Resolve LLC
State: MI

Complaint narrative:
On XXXXXXXX XXXX, my wife and I had a telephone call with a representative to consolidate all of our credit cards to make minimum monthly payments.and we where told that they will be keeping in contact with us making things right. Things where ok for a while, calls began comming in to us from our Credit Cards company that our accounts been suspended for none payments.All calls made to the XXXX XXXX XXXX  goes unanswered, and to date, no phone calls or any contact from the consolidating company been received.After making some investigation comes to find out that it was all a scam.Im asking you kindly, to use all in your power to help us retrieving our {$8600.00} please.

Company response to consumer: Untimely response
Consumer complaint received 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This complaint is legitimate and requires immediate attention. My credit report contains inaccurate information that fails to meet the Fair Credit Reporting Acts maximum possible accuracy standard ( 15 U.S.C. 1681e ( b ) ). These errors are causing serious, ongoing harm.

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 2025-09-02 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: AL

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

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 2025-09-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
A written notice was sent to all creditors and credit reporting agencies to adhere to the notice at hand on XXXX XXXX Subject : Formal Dispute - Immediate Removal of Collections/Charge-Offs, Student Loan Updates, and Cease & Desist Negative Reporting To Whom It May Concern : This letter serves as a formal dispute of derogatory information currently reported on my credit file, including collections, charge-offs, and inaccurately documented student loans. I request the following corrections based on my attached private contract records and supporting UCC1 filings ( UCC # XXXX, XXXX XXXX, filed XXXX XXXX : 1. Remove all collections and charge-off accounts. 2. Update all student loans to " Paid as agreed ''. XXXX. XXXX Account # XXXX : Show balance as XXXX and status as " Paid as agreed '' per my private contract records. XXXXXXXX XXXX XXXX Account # XXXX : Show balance as XXXX and status as " Paid as agreed '' per my private contract records. 
This notice is provided pursuant to the following Fair Credit Reporting Act ( FCRA ) provisions : - 15 U.S.C. 1681i ( a ) : Reinvestigation and deletion of unverifiable or erroneous data. - 15 U.S.C. 1681c ( a ) : Timely removal of adverse information. - 15 U.S.C. 1681s-2 ( b ) : Duty of furnishers to correct information. - 15 U.S.C. 1681b : Limits on permissible uses of consumer data. - 15 U.S.C. 1681n, 1681o : Civil liability for violations. You are required to block and update these items within four ( 4 ) business days from receipt of this letter. Failure to cease and desist all negative reporting will result in formal complaints to the Attorney General 's Office, Secretary of State, FTC, and CFPB for investigation and potential enforcement. Please provide written confirmation once the updates and removals have been completed in accordance with statutory requirements and my attached documentation. 

Sincerely, XXXX XXXX XXXX ( last XXXX digits ) : XXXX ] Attachments : - UCC1 Financing Statement / Private Contract ( File # XXXX XXXX XXXX XXXXXXXX ) Additional Account Instructions : - XXXX Account # XXXX : Balance XXXX, Paid as agreed XXXX XXXX XXXX  Account # XXXX : Balance XXXX, Paid as agreed

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 2025-09-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

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 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Electronic communications — Frequent or repeated messages
Company: A.R.M. Solutions, Inc.
State: GA

Complaint narrative:
A random email from a random company I have no idea who they are saying I owe a fee, I never used that XXXX XXXX nonsense nor am I associated with them nor familiar with them, I would like them to give me all the information my name, number and social if they fail to provide this I demand they remove this nonsense immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
These accounts are unauthorized and fraudulent. I ask for their immediate removal from my credit report and a full investigation. Enclosed are documents to support my request.

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 2025-09-03 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: TX

Complaint narrative:
I was shocked to discover an unauthorized inquiry on my credit report today, and I dont understand why its there. I always monitor my credit report, yet this time, an unfamiliar entry appeared out of nowhere. I even refreshed my browser multiple times, but the issue persisted. This is completely unacceptable, and I need it addressed without delay. I am requesting a thorough review of my submitted documents to ensure this never happens again.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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: TX

Complaint narrative:
XXXXI am writing to formally dispute and request the blocking of all information on my credit report that has resulted from identity theft, in accordance with my rights under 15 U.S. Code  1681c-2 of the Fair Credit Reporting Act (FCRA). I am submitting this dispute via the Consumer Financial Protection Bureau (CFPB) and request that it be treated with the urgency and seriousness required by federal law.XXXXI have been a victim of identity theft. Accounts and/or inquiries were fraudulently opened or made in my name without my knowledge, authorization, or consent. This unauthorized activity has caused harm to my credit report and financial standing. I am including an FTC Identity Theft Report  to substantiate my claimXXXXLegal Basis: 15 U.S.C.  1681c-2XXXXUnder the Fair Credit Reporting Act, specifically 15 U.S.C.  1681c2(a):XXXXA 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 4 business days after the date of receipt of:XXXXAppropriate proof of the identity\n\nA copy of an FTC identity theft report\n\nDisputed/Blocked Items\n\nThe following entries are fraudulent and must be blocked or removed immediatelyXXXXUnauthorized Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAddress not belonging to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXXThese accounts/inquiries were not authorized by me and were obtained using my stolen personal information.\n\nDocuments Included\n\nI have enclosed the following documents:XXXXA copy of my government-issued ID and proof of addressXXXXA copy of the FTC Identity Theft ReportXXXXThank you 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 2025-09-03 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:
XXXXI am writing to formally dispute and request the blocking of all information on my credit report that has resulted from identity theft, in accordance with my rights under 15 U.S. Code  1681c-2 of the Fair Credit Reporting Act (FCRA). I am submitting this dispute via the Consumer Financial Protection Bureau (CFPB) and request that it be treated with the urgency and seriousness required by federal law.XXXXI have been a victim of identity theft. Accounts and/or inquiries were fraudulently opened or made in my name without my knowledge, authorization, or consent. This unauthorized activity has caused harm to my credit report and financial standing. I am including an FTC Identity Theft Report  to substantiate my claimXXXXLegal Basis: 15 U.S.C.  1681c-2XXXXUnder the Fair Credit Reporting Act, specifically 15 U.S.C.  1681c2(a):XXXXA 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 4 business days after the date of receipt of:XXXXAppropriate proof of the identity\n\nA copy of an FTC identity theft report\n\nDisputed/Blocked Items\n\nThe following entries are fraudulent and must be blocked or removed immediatelyXXXXUnauthorized Inquires : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXAddress not belonging to me XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  TX XXXX XXXXThese accounts/inquiries were not authorized by me and were obtained using my stolen personal information.\n\nDocuments Included\n\nI have enclosed the following documents:XXXXA copy of my government-issued ID and proof of addressXXXXA copy of the FTC Identity Theft ReportXXXXThank you XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Harpeth Financial Services, LLC
State: KS

Complaint narrative:
I received a loan document XXXX XXXX XXXX from Advanced Financial XXXX XXXX Tennessee in the mail stating that this fraudulent loan was taken out in my name was delinquent by 3 months. I never applied or authorized this transaction that took place 3 months ago. I never received any proceeds to any of my accounts. I called the Advanced Financial XXXXXXXX XXXX  and received no answers to the questions I raised. This is the first communication regarding this fraudulent loan that I have received. 

I want this transaction cancelled and I want to know what information was given in order to receive this loan in order to prevent other similar situations.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
I have no affiliation with these accounts, which were opened fraudulently. Please investigate the matter and delete them from my record. Relevant evidence is attached.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 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: MI

Complaint narrative:
I am sending to dispute fraudulent items on my credit reports, which have resulted from identity theft. These items were opened without my authorization or consent, and their reporting violates multiple provisions of U.S. law, including the Fair Credit Reporting Act ( FCRA ). These items in question are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-09-03 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:
Subject : Formal Demand to Block Fraudulent Information Identity Theft Claim Under 15 U.S.C. 1681c-2 To Whom It May Concern, This letter serves as a formal demand under 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act ( FCRA ) to immediately block the reporting of fraudulent information on my credit report resulting from identity theft. 

The following information has been fraudulently attributed to me and must be removed without delay : Account Name : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX Account Name : XXXX XXXXXXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX In accordance with federal law, you are required to block this information within four business days of receiving :

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-03 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: Lloyd & McDaniel, PLC
State: GA

Complaint narrative:
I am submitting this complaint against XXXX XXXX REPRESENTING FOR XXXX XXXX XXXX For violations of FDCPA and FCRA. I requested validation of the alleged debt on XX/XX/year>, XX/XX/year>, XX/XX/year>, XX/XX/year>. The agency only provided billing statements, which do not meet legal requirements. Despite this, they continue to attempt collection and/ report the debt to credit reporting agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-03 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:
I dispute these accounts as fraudulent since I never opened or authorized them. Please conduct a detailed review and remove them from my report. Attached is proof.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-02 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: GA

Complaint narrative:
Please remove these accounts as they are associated with Identity theft.

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