vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
This is purely identity theft. I do not recognize these accounts. They are damaging my good credit reputation! 

In accordance with the Fair Credit Reporting act. These accounts have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  DEPT OF EDXXXX XXXX XXXXXXXX DEPT OF EDXXXX XXXX XXXXXXXX DEPT OF EDXXXX XXXX XXXXXXXX DEPT OF EDXXXX XXXX XXXXXXXX DEPT OF EDXXXX XXXX XXXXXXXX DEPT OF EDXXXX XXXX XXXXXXXX DPT EDXXXX # XXXX DPT EDXXXXXXXX XXXX XXXX DPT EDXXXXXXXX XXXX XXXXXXXX DPT EDXXXX # XXXX DPT EDXXXXXXXX XXXX XXXXXXXX DPT EDXXXXXXXX XXXX XXXX UNAUTHORIZED INQUIRIES : XXXX XXXX, XXXX XXXX XX/XX/XXXX EXP XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX EQ REMOVE THESE IDENTITY THEFT ACCOUNTS ASAP! XXXX! 

I will never stop filing complaints against you because I know my rights! 

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

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

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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
THE EQUIFAX CREDIT AGENCY IS REPORT A DIFFERENT SOCIAL SECURITY NUMBER THAT IS NOT MINE AND THEY SENT ME UPDATED REPORT IN THE MAIL STATING THAT THE SOCIAL SECURITY HAS BEEN UPDATED TO THE CORRECT ONE BUT WITH IN THE REPORT IT IS STILL SHOWING THE INCORRECT SOCIAL SECURITY NUMBER AND IT SHOWS THAT IT WAS UPDATE THEREFORE IT IS NOT CORRECT AND IT SHOWS ACCOUNTS THAT IS ASSOCIATED WITH THE WRONG SOCIAL SECURITY NUMBER AND NOT MY ACCOUNTS THAT IS WITH MY SOCIAL SECURITY... I HAVE BEEN FIGHTING THIS SINCE 2021 AND STILL NOT CORRECTED AT THIS TIME AND THE PROBLEM IS ONLY ONLINE CREDIT REPORTING BUT IT SHOULDNT MATTER IT IS STILL NOT ACCURATE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I already disputed this XXXXXXXX XXXX  account and it was removed from my Experian report. Then out of nowhere, it showed up again like nothing ever happend. I never got any letter or notice that they were gon na reinsert it, which I believe is required under the FCRA. I feel like this is unfair and Experian just keeps adding the same account back with no explanation. I've tried to fix this multiple times and it's just stressing me out. There are also errors in the way the account is showing now. It's not right and it's hurting my credit 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 explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: PA

Complaint narrative:
I formally requested that you provide a copy of the original contract bearing my signature that verifies the validity of the alleged debt. Please be advised that simply sending a bill or statement does not constitute valid proof of a contractual agreement. 

If you are unable to provide the original, signed contract and all supporting documentation validating this account, I demand that you immediately remove this account from my credit report. 

Fair Debt Collection Practices Act ( FDCPA ) specifically, 15 U.S.C. 1692g,

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
My credit profile is inaccurate which is not fair to me. Please investegate thus and fix it. I'm really sick and tired of these XXXX. Should there be any updates on my inquiries, I'm gon na go to court

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I am filing a complaint regarding a collection account reported to my credit by XXXX XXXX and their collection agency, Credit Collection Services. The billed amount of {$280.00} from XXXX included charges for a period during which I had active coverage with another insurer, XXXX XXXX. 

Upon noticing the negative impact on my credit report, I paid the balance in full on XX/XX/year>, via XXXX XXXX. After providing proof of this overlap, XXXX acknowledged the error by issuing a refund of {$76.00}, in essence confirming the overbilling. I have disputed this account with the credit bureaus and contacted XXXX directly, but the collection remains on my credit report. 

This erroneous account has caused a significant drop in my credit score of over XXXX points affecting my XXXX XXXX and impacting me negatively financially.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I pressume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

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 2025-05-12 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I REQUEST THE IMMEDIATE REMOVAL OF THIS LATE PAYMENT FROM MY ACCOUNT, AS IT IS NOT CORRECT AND DOES NOT SHOW MY TRUE PAYMENT HISTORY. I HAVE ALWAYS MADE MY PAYMENTS ON TIME, AND THIS MISTAKE SHOULD NOT BE THERE. THIS WAS PAID AS AGREED AND SHOULD NOT BE SHOWING NEGATIVELY ON MY REPORT. PLEASE UPDATE MY ACCOUNT AS SOON AS POSSIBLE.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 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: PA

Complaint narrative:
I value my credit the same as everyone else 's which is why I'm really upset about the mistakes I saw on my credit report. These errors are causing me a lot of stress and its affecting everything, from loan options to higher interest rates, to my ability to get new credit. I need you to make sure all this information is 100 % correct and I went them done ASAP. These mistakes are taking a toll on my credit and my life, and I need it taken care of now. Please get this fixed and confirm that you have removed and deleted all of the above that are not reported with maximum accuracy by 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 explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I came across the CFPB Experian lawsuit. 

I feel I was negatively impacted by TRANSUNION/EQUIFAX/EXPERIAN, hurting my chances at credit after receiving a response to my earlier dispute that my accounts were verified. But I don't see any details about your investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I came across the CFPB Experian lawsuit. 

I feel I was negatively impacted by TRANSUNION/EQUIFAX/EXPERIAN, hurting my chances at credit after receiving a response to my earlier dispute that my accounts were verified. But I don't see any details about your 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 explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX Date : XX/XX/year> Equifax XXXX. XXXX XXXX XXXX, GA XXXX Subject : Dispute of Fraudulent Account Due to Identity Theft Dear Equifax, I am writing to dispute a fraudulent account that appears on my credit report. This account was opened without my authorization, and I am a victim of identity theft. The account in question is listed under XXXX XXXX, with the original creditor being XXXX XXXX XXXX XXXX. 

I respectfully request that Equifax take the following actions : Immediately remove the fraudulent account from my credit report to prevent further harm to my credit standing. 

Notify the creditor and any associated debt collectors that this account is the result of identity theft and halt all collection activities.

Place a fraud alert on my credit file to help protect against further unauthorized activity.

Investigate the fraudulent account thoroughly, including direct communication with the creditor to confirm its legitimacy, and correct any inaccurate information.

Compensate for any damages suffered as a result of this fraudulent account ( if applicable ). 

Provide credit monitoring services for a period of 1224 months to detect and prevent further identity theft incidents. 

Send written confirmation that the fraudulent account has been removed and my credit file updated accordingly. 

Examine my credit report for any additional fraudulent activity and take corrective action where needed. 

Eliminate any negative marks associated with this account, such as late payments or defaults. 

Share tools and resources that can help me safeguard my credit, such as fraud alerts, credit freezes, and access to free credit reports. 

Please process this dispute in compliance with the Fair Credit Reporting Act ( FCRA ). I expect a response within 30 days. Enclosed are my Identity Theft Report and a copy of my credit report with the fraudulent account highlighted. 

Thank you for your immediate attention to this matter. 

Sincerely, XXXX XXXX XXXX Enclosures : Identity Theft Report ( FTC or Law Enforcement )

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I DEMAND THAT THESE FRAUDULENT HARD INQUIRIES BE PERMANENTLY DELETED FROM MY CREDIT PROFILE IMMEDIATELY. PLEASE SEE THE ATTACHED DOCUMENT.

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 2025-05-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
Dear Chase XXXX XXXX, This message serves as a formal and urgent request for immediate action regarding the mishandling of funds associated with our merchant account ending in XXXX. 

On XX/XX/, you ceased processing our payments and established a reserve account in the amount of {$100000.00}, according to your own communication. These funds were withheld from our daily settlements and/or debited from our settlement account, and you explicitly stated they would be used to satisfy any amounts owedsuch as chargebacks and associated fees. 

Despite this, we are currently being charged again for refunds and chargebacks, for transactions tied to funds that you are already holding. These are transactions for which we never received the original funds, yet you are withdrawing additional money from our account for refunds and chargeback fees. This is unjust, financially damaging, and appears to constitute unfair and potentially unlawful business practices. 

We demand the following actions immediately : All chargebacks and associated fees must be covered using the funds in the reserve account. 

Any previously charged fees for these same transactions must be refunded to our account without delay. 

A full review must be conducted and escalated to senior management to ensure this matter is corrected and does not continue. 

Please consider this a formal dispute, and be advised that if this issue is not resolved promptly, we will be filing complaints with both the XXXX XXXX XXXX XXXX XXXX XXXX  and the Federal Trade Commission ( FTC ). This situation is causing severe harm to our business, and your current handling is not only unethicalit may also violate consumer protection laws. 

We expect a response within XXXX ( XXXX ) business days, along with a clear outline of how you will be resolving this matter. Our legal team is monitoring this situation closely. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
After reviewing my credit report, I see many inaccuracies that I need removed from my credit report immediately.

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 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Report provided to employer without your written authorization
Company: Porania, LLC
State: TN

Complaint narrative:
ood Morning, I am writing to formally request the immediate removal of certain accounts from my credit report that were included in a prior bankruptcy and are being improperly reported. 



In XXXX, I notified XXXX that I did not authorize them to report any information to the credit bureaus and officially opted out of their services. Despite my direct disputes with all three major credit bureaus, the accounts in question continue to be verified by a third-party agency. I believe this verification is inaccurate, as the bankruptcy court itself does not report to credit bureaus. 



Furthermore, this situation appears to be a violation of Section 604 ( f ) of the Fair Credit Reporting Act ( FCRA ), which prohibits any person from obtaining or using a consumer report without a permissible purpose. Additionally, under the Privacy Act of 1974 ( Public Law 93-579 ), individuals are granted rights to protect personal data from unauthorized use. I did not authorize XXXXor any third partyto provide or verify information related to my bankruptcy or included accounts. 



Given these circumstances, I respectfully demand that all accounts related to the bankruptcy be permanently removed from my credit file. If not addressed promptly, I will be forced to escalate this matter by filing complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek legal counsel if necessary. 



Thank you for your immediate attention to this matter. Please confirm receipt of this request and provide a written response within 30 days as required under the FCRA.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-12 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: RI

Complaint narrative:
I am writing to file a formal complaint against transunion, a consumer reporting agency, for their failure to comply with the Fair Credit Reporting Act ( FCRA ) and rectity a violation regarding the reinsertion of previously deleted material into my credit report. I sent a letter to transunion notifying them of the reinsertion of the XXXXXXXX XXXX account number XXXX into my credit report without proper certification of accuracy and notification to me, as mandated by FCRA Section 611 ( B ). waiting for 35 days atter sending the letter, transunion has failed to remove the reinserted account from my credit report, continuing to violate FCRA regulations. Transunion actions have caused signiticant inconvenience and potential harm to my credit profile, impacting my ability to access fair credit terms and financial opportunities. Despite my efforts to resolve this matter directly with transunion they have neglected to take appropriate action, a lack of accountability and compliance with federal consumer protection Laws.

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 2025-05-12 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: PA

Complaint narrative:
I recently checked my credit report and noticed that there's a few inquiries that I don't recognize, I did not authorize this nor given consent to the company to pull up my credit report and it might've been done without my knowledge. It is stressing me out and making me anxious. Hope you can address this soon, please.

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 2025-05-12 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: GA

Complaint narrative:
Date : XX/XX/XXXX Consumer Financial Protection Bureau XXXX. XXXX XXXX Washington, D.C. XXXX Subject : Request for Debt Validation and Original Assignment Contract LVNV Funding LLC Dear CFPB, I am writing to formally dispute Two alleged debts being pursued by LVNV Funding LLC, which they claim originated from an account with XXXX XXXXXXXX XXXX. I request that LVNV Funding LLC provide a comprehensive debt validation, including : The original signed contract or agreement with XXXX XXXX XXXX 

A complete payment history detailing the alleged debt. 

Documentation evidencing the chain of assignment from XXXXXXXX XXXX XXXX to LVNV Funding LLC, including the original assignment contract. 

In the XXXX case XXXX XXXX XXXX XXXX XXXX XXXX, the court emphasized the necessity for debt collectors to furnish concrete evidence of debt ownership and the debtor 's liability. This precedent underscores the importance of providing original documentation to validate such claims. 

I kindly ask the CFPB to assist in ensuring that LVNV Funding LLC complies with the Fair Debt Collection Practices Act ( FDCPA ) by providing the requested documentation. Until such validation is received, I request that all collection activities cease. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation