vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-21 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: AR

Complaint narrative:
The accounts listed below were fraudulently opened and are the result of identity theft. I have submitted the necessary documentation, including my FTC Identity Theft Report and supporting evidence, to both the credit reporting agencies and the data furnishers. To date, neither party has provided any signed agreements, authorization, or proof of account ownership. This failure to act violates the Fair Credit Reporting Act, and I am demanding immediate removal of these fraudulent accounts from my credit report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-21 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: LA

Complaint narrative:
I am writing to dispute the following accounts. I did not owe this debt and it does not belong to me. I never established these accounts. I was contacted by a collection agency regarding the accounts that were obtained under my name. I have no knowledge of obtaining any of the accounts listed here. Please removethese accounts and send me an updated copy of my report after the investigation.

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 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: SinglePoint GI
State: FL

Complaint narrative:
I requested a copy of XXXX XXXX XXXX from this company that is reporting a charge off on my credit report i also have not received any validating information from them as well. It is against the law for any creditor to put anything on my credit without first giving me the opportunity to challenge and dispute the debt i have not receive anything. They put this account on my credit report without first validating any information that is against the law and that is a fair credit reporting act violation please help me get this off my credit report. The company name is XXXX XXXX and they are reporting on XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NJ

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Upon reviewing my credit report, I have identified inaccurate accounts that need reporting and correction through your company.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
I RECENTLY REPORTED A DISPUTE WITH ALL XXXX  BUREAUS, THAT XXXX XXXX REMOVE ALL LATE PAYMENTS AFTER BEING PAID IN FULL TOTALING {$930.00}. THIS WAS LAST MONTH XX/XX/XXXX, FOR XXXX XXXX  TO A CONSUMER, FRAUDULENT PRACTICES OVER INTERNET ( FBI INVESTIGATION ), XXXX INFORMATION OVER THE INTERNET TO THIRD PARTIES WITHOUT PERMISSION FROM CONSUMER!!! XXXX. 
TODAY MY SCORE INCREASED FROM XXXX TRANSUNION TO XXXX TRANSUNION. AFTER CHECKING MY CREDIT WITH TRANSUNION AFTER MIDNIGHT ON THE XXXX XXXX XX/XX/XXXX I NOTICED THAT TRANSUNION ADDED A FRAUDULENT XXXX ACCOUNT FROM XX/XX/XXXX TO MY CREDIT REPORT. MIND YOU I WAS NOT BORN UNTIL XXXX, XX/XX/XXXX. HAHAHA!! ! XXXX THIS CONFUSION TO TRY TO DROP MY SCORE WILL NOT SUCCEED A.I. ( TRANSUNION ) I HAVE PROOF. 

FTC CASE 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 non-monetary relief
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: TN

Complaint narrative:
Subject : Illegal Re-Aging and False Reporting by Midland Credit XXXX  Midland Credit XXXX  is reporting a collection account with an open date of XX/XX/XXXX and claiming it is past due as of XX/XX/XXXX, with updates reported on XX/XX/XXXX. This misrepresents the account by making it appear recent and current, despite originating years earlier. The original delinquency date is not reflected, and the account is being re-aged, which is a clear violation of the Fair Credit Reporting Act ( FCRA ), Section XXXX ( c ). 

I have received no proof of this debts origin, and I dispute the accuracy and legality of the tradeline. I request the immediate deletion of this inaccurate reporting from all credit bureaus. 

Please investigate and respond as required under federal law. 
Date Opened : XX/XX/XXXX If the debt originated much earlier, this is false. Debt buyers can not list the account as newly opened. 
Balance Updated : XX/XX/XXXX This creates a false impression of recent activity ( likely no payment or acknowledgment was made ). 
Status : {$1600.00} past due as of XX/XX/XXXX XXXX, creates false currency, making the account appear active. 
On Record Until : XX/XX/XXXX Implies a XXXX clock starting from XXXX, instead of the original delinquency date that you clearly do not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: NY

Complaint narrative:
I am addressing the issue with regarding the noncompliance. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. As per the Fair Credit Reporting Act, particularly under XXXX XXXX. XXXX, there exists statutory civil liability for willful noncompliance. This provision stipulates that any person who willfully fails to comply with consumer protection requirements XXXX be liable to the affected consumer for damages, including potential punitive measures and reimbursement of legal costs. This underscores the importance of addressing and rectifying this matter promptly and responsibly.

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 2025-07-21 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: TN

Complaint narrative:
My account with EQUIFAX was never late! I have had exceptional payment history all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. This was clearly a billing error made my the company and is not a reflection of my payment experience which violates XXXX XXXX XXXX. This error has caused severe hard to my reputation, my character, my mode of living and to my family! I demand the late payment to be updated. They are not in compliance with the following law. XXXX XXXX XXXX and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! XXXX XXXX XXXX ( a ) Time to make payments A creditor XXXX not treat a payment on a XXXX  card account under an XXXX XXXX XXXX XXXX XXXX  as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section XXXX ( b ) of this title is mailed or delivered to the consumer not later than XXXX  days before the payment due date. EQUIFAX Never Sent the periodic statement along with the disclosures from section XXXX ( b ). I have requested proof that this information was mailed or delivered XXXX  days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. This is unfair, illegal, fraudulent, and not equitable to me as a consumer! Update the late payments from my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-07-21 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: MS

Complaint narrative:
I am a victim of identity theft and have discovered unauthorized accounts and inquiries on my credit report. These items are not mine and must be removed. 

Under Section XXXX of the Fair Credit Reporting Act, I request that you block and delete the fraudulent information. Ive attached a list of the disputed items and a copy of my FTC Identity Theft Report. 

Please confirm in writing once the corrections are made.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and report multiple fraudulent accounts that have appeared on my credit report. These accounts are the result of identity theft, which has severely impacted my ability to obtain reliable transportation and apply for educational opportunities, such as a workforce scholarship. These repeated denials have caused significant hardship, affecting both my education and livelihood as a nurse.

Upon thoroughly reviewing my credit report, I have identified five accounts that I did not authorize, consent to, or open. Despite reaching out to these companies, none have been able to provide me with valid documentation, such as proof of my consent, signatures, or any verifiable identification. According to 15 U.S.C. 1681b and 15 U.S.C. 1681c-2, I am entitled to protection from the continued reporting of fraudulent and unauthorized accounts. Allowing these items to remain on my report constitutes not only a violation of federal law but also defamation of my character.

The fraudulent accounts I am disputing are as follows : Central Portfolio Control Balance : {$1700.00} ( Violation of HIPAA laws ; identity theft ). 


XXXX XXXX XXXX Balance : {$4800.00} ( Identity theft and unauthorized sharing of personal information ). 


XXXX XXXXXXXX XXXX Balance : {$10000.00} ( Duplicate account, also involving identity theft and unauthorized sharing of personal information ). 


XXXX XXXX XXXX Balance : {$22000.00} ( Identity theft ; unauthorized use of my information ). 


XXXX XXXXXXXX XXXX Balance : {$11000.00} ( Identity theft ; unauthorized use of my information ).

These accounts were opened and reported without my knowledge, consent, or authorization, and they continue to create unnecessary barriers to my personal and professional advancement. I am a hardworking nurse striving to improve my life through education and career advancement, and these inaccuracies are preventing me from achieving these goals.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be immediately investigated, blocked, and removed from my credit report. Please provide written confirmation once these accounts have been addressed and removed.

Thank you for your prompt attention to this urgent matter. I expect a written response within the time frame required by law.

I have provided a credit document, my drivers licenses and proof of address.

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 2025-07-21 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: FL

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute and report multiple fraudulent accounts that have appeared on my credit report. These accounts are the result of identity theft, which has severely impacted my ability to obtain reliable transportation and apply for educational opportunities, such as a workforce scholarship. These repeated denials have caused significant hardship, affecting both my education and livelihood as a nurse.

Upon thoroughly reviewing my credit report, I have identified five accounts that I did not authorize, consent to, or open. Despite reaching out to these companies, none have been able to provide me with valid documentation, such as proof of my consent, signatures, or any verifiable identification. According to 15 U.S.C. 1681b and 15 U.S.C. 1681c-2, I am entitled to protection from the continued reporting of fraudulent and unauthorized accounts. Allowing these items to remain on my report constitutes not only a violation of federal law but also defamation of my character.

The fraudulent accounts I am disputing are as follows : Central Portfolio Control Balance : {$1700.00} ( Violation of HIPAA laws ; identity theft ). 


XXXX XXXX XXXX Balance : {$4800.00} ( Identity theft and unauthorized sharing of personal information ). 


XXXX XXXXXXXX XXXX Balance : {$10000.00} ( Duplicate account, also involving identity theft and unauthorized sharing of personal information ). 


XXXX XXXX XXXX Balance : {$22000.00} ( Identity theft ; unauthorized use of my information ). 


XXXX XXXXXXXX XXXX Balance : {$11000.00} ( Identity theft ; unauthorized use of my information ).

These accounts were opened and reported without my knowledge, consent, or authorization, and they continue to create unnecessary barriers to my personal and professional advancement. I am a hardworking nurse striving to improve my life through education and career advancement, and these inaccuracies are preventing me from achieving these goals.

In accordance with the Fair Credit Reporting Act ( FCRA ), I am requesting that these accounts be immediately investigated, blocked, and removed from my credit report. Please provide written confirmation once these accounts have been addressed and removed.

Thank you for your prompt attention to this urgent matter. I expect a written response within the time frame required by law.

I have provided a credit document, my drivers licenses and proof of address.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-21 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: FL

Complaint narrative:
I requested a copy of a XXXXXXXX XXXX from this company that is reporting a charge off on my credit report i also have not received any validating information from them as well. It is against the law for any creditor to put anything on my credit without first giving me the opportunity to challenge and dispute the debt i have not receive anything. They put this account on my credit report without first validating any information that is against the law and that is a fair credit reporting act violation please help me get this off my credit report. The company name is IC SYSTEM and they are reporting on 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 2025-07-21 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:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-21 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: FL

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 explanation
Consumer complaint received 2025-07-21 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: MD

Complaint narrative:
Dear CFPB, 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 XXXX 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief