vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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: CL Holdings LLC
State: SC

Complaint narrative:
I first became aware of this fraudulent activity when I reviewed my credit report and/or received notice from a debt collector. These accounts is inaccurate, fraudulent, and the result of identity theft. 

Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I am requesting that this account be blocked from my credit file and permanently removed. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I also request that any debt collector immediately cease collection activity unless they can provide verified proof that this account is legitimately mine.

This statement is made truthfully and under penalty of perjury. I am attaching this explanation to my FTC Identity Theft Report and forwarding it to the credit reporting agencies and any debt collectors attempting to collect on this fraudulent account.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: Resurgent Capital Services L.P.
State: SC

Complaint narrative:
I first became aware of this fraudulent activity when I reviewed my credit report and/or received notice from a debt collector. These accounts is inaccurate, fraudulent, and the result of identity theft. 

Pursuant to my rights under the Fair Credit Reporting Act ( 15 U.S.C. 1681c-2 ), I am requesting that this account be blocked from my credit file and permanently removed. Pursuant to the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), I also request that any debt collector immediately cease collection activity unless they can provide verified proof that this account is legitimately mine.

This statement is made truthfully and under penalty of perjury. I am attaching this explanation to my FTC Identity Theft Report and forwarding it to the credit reporting agencies and any debt collectors attempting to collect on this fraudulent account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-09-06 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 raise concerns about several inaccuracies on my credit report that have caused unnecessary stress and confusion. While reviewing my report, I discovered that the account for XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX with a charged-off balance of {$10000.00}, is being reported three times. This duplication is misleading, as it makes it appear that I owe much more than I actually do and unfairly impacts my credit profile.XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Kikoff Inc.
State: LA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, LA XXXX Phone : XXXX Last XXXX of XXXX : XXXX XXXX XX/XX/XXXX Subject : CFPB Complaint Dispute of Inaccurate Credit Reporting ( FCRA & XXXX XXXX Violations ) To Whom It May Concern, I am submitting a formal complaint regarding inaccurate and misleading information reported on my credit report. This information is preventing me from obtaining credit, damaging my financial well-being, and seriously harming my character. 

The accounts in dispute are as follows. The first account is XXXX XXXX XXXX XXXX XXXX, Account Number XXXX, Charge Card, opened on XX/XX/XXXX, with a status of Closed and {$400.00} written off in XX/XX/XXXX. The second account is XXXX XXXX XXXX, Account Number XXXX, Charge Card, opened on XX/XX/XXXX, with a status of Charged off, {$73.00} written off, and {$30.00} past due as of XXXX XXXX. 

These accounts are completely inaccurate and represent serious errors in reporting. I request full verification and documentation, including signed contracts bearing my signature, complete account statements showing balances, payment history, and charge-off details, and proof of ownership and current status of the debt. 

Neither account has been reported with a 1099-C for tax purposes. Please provide a 1099-C if applicable, or update or delete these items immediately.

Pursuant to 15 U.S.C. 1681i ( a ) ( 6 ) ( A ), I request a detailed description of the procedure used to determine the accuracy and completeness of this information. 

Additionally, these accounts appear to be reported in violation of XXXX XXXX standards governing accurate and complete credit reporting. Inaccurate coding, status reporting, and unverifiable information violate industry standards for credit data reporting and should be corrected or deleted immediately. 

Under 15 U.S.C. 1681i ( a ) ( 15 ), if any portion of these accounts can not be fully verified, they must be deleted permanently from my credit report or updated to reflect Paid in Full/ As Agreed. 

These inaccuracies are causing serious financial harm, including difficulty obtaining credit, loans, or mortgages, problems securing housing or vehicles, and impacts on employment opportunities. 

I am requesting that the CFPB investigate this dispute and ensure that the credit bureau and/or reporting entities verify the information and correct or permanently remove any inaccurate accounts in compliance with FCRA and XXXX XXXX standards. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX 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 2025-09-06 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 a victim of identity theft and unauthorized use of my personal information in violation of my rights as a consumer under the Fair Credit Reporting Act, specifically 15 U.S.C. 1681b. This statute limits access to my credit report only for permissible purposes, such as with my written instruction, in connection with a credit transaction initiated by me, or under specific legal circumstances. 

The accounts and inquiries currently reporting on my credit file were either opened or accessed without my knowledge, consent, or legal authorization. These actions were not initiated by me and represent an unlawful invasion of my financial privacy. 

As such, I am requesting that these accounts and inquiries be : Permanently blocked from appearing on my credit reports, and Deleted in accordance with FCRA 605B, which provides identity theft victims the right to remove fraudulent information. 

Attached are documents supporting my identity and this report, including a government-issued photo ID, proof of address, and copies of the disputed credit files. 

I am exercising my full rights under federal law and expect immediate action by the credit reporting agencies and any furnishers involved. 


See attachment

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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:
Pursuant to USC XXXXg, these erroneous accounts must be cleared from the record within XXXX  days.

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 2025-09-06 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Recovery Services, Inc.
State: NJ

Complaint narrative:
This company has been nonstop calling me daily, sometimes multiple times per day, for almost XXXX years now. I attached XXXX screenshots ( using very small text to try to keep the screenshots to a minimum ) with 2 years worth of relentless phone calls from this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing. 

The following accounts are in dispute : XXXX XXXX balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I am submitting this formal statement regarding numerous inaccuracies and negative accounts that continue to appear on my consumer credit reports. Under the Fair Credit Reporting Act ( FCRA ), I have the right to dispute any information that is inaccurate, incomplete, or unverifiable. Despite previous disputes and direct requests for correction, these negative accounts remain on my file without proper validation or correction. Each of these accounts is being reported with serious errors, such as inaccurate payment history, unverifiable balances, duplicate reporting, and other misleading information. These reporting errors are causing substantial harm to my creditworthiness and financial standing. 

The following accounts are in dispute : XXXX XXXX balance : {$1400.00} XXXX XXXX XXXX XXXX XXXX XXXX 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

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 2025-09-06 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:
Im reaching out because theres an account showing up on my credit report that does not belong to me. This account appears to be the result of mixed or merged credit information, and it is very clear that this account is tied to someone elses identitynot mine. 

I want to make this absolutely clear : I have no association whatsoever with the account in question. I did not open it, I have no connection to the person who did, and I should not be held responsible for their financial activity. Somehow, my credit file has been inaccurately combined with another persons information, and this is now negatively impacting my credit profilethrough no fault of my own. 

This is not just a mistake ; its a serious error that violates the accuracy standards required under the Fair Credit Reporting Act ( FCRA ). Under the law, you are obligated to ensure that every item reported under my name is 100 % accurate and verifiably connected to me. In this case, that standard is not being met.

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 2025-09-06 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Reliant Capital Solutions, LLC
State: FL

Complaint narrative:
I am not liable for the debt with RELIANT CAPITAL SOLUTIONS LLC, I do not have a contract with RELIANT CAPITAL SOLUTIONS LLC nor RELIANT CAPITAL SOLU. They did not provide me with the original contract as I requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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:
Take corrective action to eliminate these accounts within 15 days under USC 1681g.

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 2025-09-06 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: TX

Complaint narrative:
While carefully reviewing my report, I noticed the account for XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX showing a balance of {$5000.00} and listed as Late Open. Seeing this was both confusing and alarming because it does not align with my records or my careful financial management.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-09-06 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: TX

Complaint narrative:
While carefully reviewing my report, I noticed the account for XXXX XXXX, account number XXXXXXXX XXXX XXXX XXXX XXXX showing a balance of {$5000.00} and listed as Late Open. Seeing this was both confusing and alarming because it does not align with my records or my careful financial management.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Complaint : Misleading Credit Reporting and Lack of Effective Billing Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) In XX/XX/XXXX, a {$2.00} XXXX XXXX  subscription charge was automatically reassigned from my XXXX XXXX card ( which I had temporarily suspended after losing it ) to an XXXX XXXX account with XXXX XXXX XXXX XXXX without my authorization or knowledge. 
I received no billing statement by mail, email, or app notification alerting me to this balance. I was not actively using the XXXX XXXX and had no reason to check the account. 
In XX/XX/XXXX, XXXX XXXX contacted me by phone, stated that I owed {$8.00}, and explicitly said : If you dont pay now, we will report you to the credit bureaus. I paid the balance in full on that same call. Despite this immediate cure, XXXX XXXX reported the account as XXXX days delinquent to the credit bureaus. 
This reporting violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2, 1681e ( b ) ), which requires information furnished to be accurate and not misleading. Reporting me as delinquent suggests extended nonpayment, when in fact the balance was paid in full immediately upon first notice.

It also raises compliance concerns under the Truth in Lending Act and Regulation Z ( 12 CFR 1026.7 ), which require issuers to provide periodic statements with at least 21 days notice before payment is due. I received no effective notice of this balance and therefore had no opportunity to pay before delinquency reporting. 
The harm is grossly disproportionate. A {$2.00} subscription charge, reassigned without my knowledge, has resulted in more than two years of credit score damage. I have an otherwise spotless record of on-time payments and responsible credit use. The only reason my score is not in the upper XXXX is that I immigrated to the U.S. as an adult and therefore have a shorter credit history. 

Attached are Exhibits AD documenting this complaint. 

These exhibits show ( A ) the small, recurring subscription charges reassigned without my knowledge, ( B ) my immediate full payment upon notification, ( C ) the ongoing derogatory credit reporting, and ( D ) the accounts dormancy and lack of effective billing notice. 

Together, these demonstrate that XXXX XXXXXXXX XXXX XXXXXXXX reporting is misleading under the FCRA, failed to provide meaningful notice under TILA/Reg Z, and has caused disproportionate long-term harm relative to the underlying transaction.

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 2025-09-06 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
Complaint : Misleading Credit Reporting and Lack of Effective Billing Notice XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) In XX/XX/XXXX, a {$2.00} XXXX XXXX subscription charge was automatically reassigned from my XXXX XXXXXXXX card ( which I had temporarily suspended after losing it ) to an XXXX XXXX  account with XXXX XXXX XXXX XXXX without my authorization or knowledge. 
I received no billing statement by mail, email, or app notification alerting me to this balance. I was not actively using the XXXX XXXX and had no reason to check the account. 
In XX/XX/XXXX, XXXX XXXX contacted me by phone, stated that I owed {$8.00}, and explicitly said : If you dont pay now, we will report you to the credit bureaus. I paid the balance in full on that same call. Despite this immediate cure, XXXX XXXX reported the account as XXXX days delinquent to the credit bureaus. 
This reporting violates the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2, 1681e ( b ) ), which requires information furnished to be accurate and not misleading. Reporting me as delinquent suggests extended nonpayment, when in fact the balance was paid in full immediately upon first notice.

It also raises compliance concerns under the Truth in Lending Act and Regulation Z ( 12 CFR 1026.7 ), which require issuers to provide periodic statements with at least 21 days notice before payment is due. I received no effective notice of this balance and therefore had no opportunity to pay before delinquency reporting. 
The harm is grossly disproportionate. A {$2.00} subscription charge, reassigned without my knowledge, has resulted in more than two years of credit score damage. I have an otherwise spotless record of on-time payments and responsible credit use. The only reason my score is not in the upper XXXX is that I immigrated to the U.S. as an adult and therefore have a shorter credit history. 

Attached are Exhibits AD documenting this complaint. 

These exhibits show ( A ) the small, recurring subscription charges reassigned without my knowledge, ( B ) my immediate full payment upon notification, ( C ) the ongoing derogatory credit reporting, and ( D ) the accounts dormancy and lack of effective billing notice. 

Together, these demonstrate that XXXXXXXX XXXX XXXX XXXXXXXX reporting is misleading under the FCRA, failed to provide meaningful notice under TILA/Reg Z, and has caused disproportionate long-term harm relative to the underlying transaction.

Company response to consumer: Closed with explanation