vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-06-13 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: IL

Complaint narrative:
I would like to file a complaint against Equifax for failure to properly investigate and correct inaccurate information on my credit report. I have disputed a specific account " XXXX XXXX '' multiple times, and Equifax continues to report the account as verified without providing any actual updates or details regarding the verification process. 



Despite receiving letters from Equifax stating that the dispute has been updated and the account has been updated, no actual changes have been made to the account. The inaccurate information continues to be reported, and my credit score has suffered as a result. the account has conflicting payment status, and different closing dates across all three credit agencies which make the account reporting inaccurately. 

I have requested the method of verification multiple times specifically asking Equifax to provide the name of the person they spoke with, the phone number, time and date of the verification, and any documentation used to confirm that the account belongs to me. Equifax has failed to respond to these requests or provide any supporting documentation. I've provides Equifax agent number informing me he can't provide that information to me Agent # XXXX which is a violation to the FCRA. 



Equifax continues to report it, without proper investigation, transparency, or correction. This appears to be a violation of the Fair Credit Reporting Act ( FCRA ) and Regulation V, which require credit bureaus to conduct reasonable investigations and respond appropriately to consumer disputes. 



I am now requesting that the CFPB, and Federal Trade Commission investigate this matter. I also request that Equifax be compelled to provide full verification details or permanently remove the inaccurate account from my credit file

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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: IL

Complaint narrative:
I would like to file a complaint against Equifax for failure to properly investigate and correct inaccurate information on my credit report. I have disputed a specific account " XXXX XXXX '' multiple times, and Equifax continues to report the account as verified without providing any actual updates or details regarding the verification process. 



Despite receiving letters from Equifax stating that the dispute has been updated and the account has been updated, no actual changes have been made to the account. The inaccurate information continues to be reported, and my credit score has suffered as a result. the account has conflicting payment status, and different closing dates across all three credit agencies which make the account reporting inaccurately. 

I have requested the method of verification multiple times specifically asking Equifax to provide the name of the person they spoke with, the phone number, time and date of the verification, and any documentation used to confirm that the account belongs to me. Equifax has failed to respond to these requests or provide any supporting documentation. I've provides Equifax agent number informing me he can't provide that information to me Agent # XXXX which is a violation to the FCRA. 



Equifax continues to report it, without proper investigation, transparency, or correction. This appears to be a violation of the Fair Credit Reporting Act ( FCRA ) and Regulation V, which require credit bureaus to conduct reasonable investigations and respond appropriately to consumer disputes. 



I am now requesting that the CFPB, and Federal Trade Commission investigate this matter. I also request that Equifax be compelled to provide full verification details or permanently remove the inaccurate account from my credit file

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: FL

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 explanation
Consumer complaint received 2025-06-12 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: LJ Ross Associates
State: AR

Complaint narrative:
I did not know XXXX XXXX had sold my debt to another collection agency and I had scheduled payment arrangements with them and was going to make a payment on the due date until I got a email from another collection agency for the same debt. XXXX XXXX reported the debt XXXX XXXX XXXX XXXX but when they sold it XXXX XXXX XXXX  also reported the same debt on my credit report. Now I have XXXX XXXX and XXXXXXXX XXXX XXXX  reporting the same debt hitting my XXXX XXXX I dont have any dates but its on XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-13 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 formally demand the immediate removal of a fraudulent account that has been reported under my name and appears on my credit report. This account was opened without my knowledge or consent and is a clear case of unauthorized and fraudulent use of my identity. 

Let me be absolutely clear : I did not authorize this account, I have no affiliation with the party responsible, and I have not benefited in any way from the use of this account. This is a serious breach of my personal information and financial integrity. 

I am requesting that you take swift and decisive action to permanently delete this account from my credit report, as its presence is both inaccurate and XXXX  This is not a dispute over a billing error or misunderstandingit is a matter of 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
Consumer complaint received 2025-06-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I recently examined my credit report and identified an account with inaccurate information. Specifically, XXXX payments were reported as late, despite being paid on time. Consumer reporting agencies are obligated to ensure all data is fully accurate, and this account does not reflect my timely payments. I have attached a copy of my credit report to this complaint, highlighting the error for the date of XXXX, 2024 and XXXX, 2024. I request that you promptly investigate this matter and correct the payment status to reflect they were paid on time. Thank you for your attention and swift resolution.

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 2025-06-13 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: FL

Complaint narrative:
Several companies have made unauthorized inquiries into my credit report, directly XXXX  my credit and score. Despite prior assurances from your representative that these inquiries would be removed, they remain. This failure to act is unacceptable. The continued presence of these potentially fraudulent entries raises serious concerns of identity theft and is causing ongoing XXXX XXXX XXXX XXXX I demand an immediate investigation and the swift removal of all unauthorized inquiries to restore the accuracy and integrity of my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: ENCORE CAPITAL GROUP INC.
State: MD

Complaint narrative:
I am writing to formally complain about Midland Credit XXXX XXXX and XXXX XXXXXXXX XXXX XXXX  regarding an alleged debt is reporting to the credit bureaus and they are attempting to collect. This debt has not been validated, and I have not received a purchase agreement or other proof that this debt is legally owed by me. It is marked on my credit report as Validated. I called Midland to inquire and they said they couldn't do anything with it and to contact XXXX XXXX, however, the court document I received clearly states Midland Credit XXXX. 
Under the Fair Debt Collection Practices Act ( FDCPA ), 15 U.S.C. 1692g, I have the right to request and receive verification of the debt including : * The name of the original creditor * The amount owed with a full itemization * Proof of your legal authority to collect * A copy of the original signed agreement or purchase contract As of this date, none of this information has been provided, yet the debt is being reported to credit reporting agencies as validated. This is a potential violation of the Fair Credit Reporting Act ( FCRA ), which requires that all information reported be accurate and that disputed debts be properly investigated and marked as such.This may be in violation of both the FDCPA and FCRA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI

Complaint narrative:
XXXX     made a purchase at XXXX XXXXXXXX, did not receive promised points-XXXX      made purchase at XXXX  did not receive promised XXXX pointsXXXX:   made purchase at XXXX  did not receive promised XXXX pointsXXXX   made purchase at XXXX did not received promised XXXX points'

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-06-12 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: NY

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: CA

Complaint narrative:
I'm reaching out because theres an account showing up on my credit report that quite simply does not belong to me. Its obvious this is a case of mixed credit file information, and someone elses account is being inaccurately reported under my name. 

Let me be XXXX clear : I have never opened, used, or been associated with this account in any way. This is not my debt, and this information should have never been tied to my credit history in the first place. Whether this is due to similar personal details or a reporting error, the outcome is the sameIm being affected by someone elses financial activity, and it needs to stop 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 2025-06-13 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: GA

Complaint narrative:
I am filing this complaint because both XXXX  and Experian are currently reporting a charge-off account from XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX opened on or around XX/XX/year>, with a listed balance of {$120.00}. I dispute the continued reporting of this account as derogatory for several reasons. First, the amount in question is relatively minimal, and based on my own records, I was never properly notified of any delinquency or charged-off status at the time the account supposedly became problematic. More importantly, neither credit bureau has ever provided original documentation or verification showing that the charge-off designation is accurate or that the reporting creditor complied with their own obligations under the Fair Credit Reporting Act ( FCRA ). The lack of clear evidence supporting this charge-off is troubling, especially considering that I have previously attempted to dispute this entry and received only generic, template-style responses with no meaningful verification.

The FCRA, under 15 U.S.C. 1681e ( b ), requires credit reporting agencies to maintain procedures that ensure maximum possible accuracy of the information they report. A {$120.00} charge-off reported for multiple years, especially without sufficient documentation, is not only disproportionate in impact, but misleadingsuggesting an unresolved financial obligation where one may not actually exist. This type of negative item, even for a small amount, has continued to weigh down my credit profile, affecting my eligibility for new lines of credit and contributing to higher interest rates. These damages are entirely avoidable and, in my view, unjustified.

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 2025-06-12 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: AE

Complaint narrative:
I discovered incorrect accounts on my credit report, and I have no idea how they got there. I regularly check my report, but this time, unexpected discrepancies appeared. I even tried refreshing my browser, thinking it might be a glitch, but the errors remained. Since this issue persists, I request a thorough review of the documents Ive submitted so that I wont have to worry about this problem 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 2025-06-13 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: FL

Complaint narrative:
Today I have been notified by XXXX credit reporting that Sequium has placed a Fraudulent Debt on my credit report. Defamation of Character! It is concerning On XXXX Apartments located in XXXX Florida. This is Fraud! Its Fraud because I don't owe the debt. This is a contract in Dispute. I was fraudulently tricked into signing something with On XXXX Apartments. Its was Fraud! Upon reading their contract I discovered that their contract is also Fraud. These XXXX XXXX XXXX XXXX debt collectors they fraudulent put things like this on peoples credit report as a means of extortion. Untill a judge issues a judgement declaring that there is a debt owed, untill that happens there is No debt. No Debt exist. XXXX debt collectors such as Sequium they know this but they put fraudulent debts on peoples credit report as a means of extorting them. They do this on purpose because they know that the average man or woman does not know these concepts. In order for a debt to exist there has to be a judgement signed by a judge declaring that something is owed. Thats the Law! Sequium has broke the law and fraudulently falsely reported a Fake debt on my credit report. That law is 15USC 1611. This is how most scum debt collectors treat people but the average individual is ignorant of the law therefore nothing is done. I have informed Sequium of these facts but they are committing fraud anyway. They are violating my constitutional rights and my civil rights. At this point I aim to sue On XXXX Apartments and Sequium collections and the credit bureau 's as co-conspiritors. Anyone that reads this should Sue Sequium if they are having similar problems. Sequium and On XXXX Apartments located in XXXX Fl are both fraudulent and corrupt businesses. On XXXX Apartments contracts are even fraud! this is what they do to people that dont have an understanding of the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: MD

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a tXXXX XXXX XXXX XXXX agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company 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 2025-06-12 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: MD

Complaint narrative:
I am concerned about the validity and accuracy of your recent investigation of these accounts that are reporting on my credit report. Last month I requested an investigation because I felt the item was not being reported legally. Couple of days ago I received a letter stating that you have ceased investigation of my credit reports because, in your opinion, you believe that I have used a tXXXX XXXX XXXX XXXX agency. Not only do I believe this to be a stall tactic on your part to XXXX you an additional XXXX days to comply with my original request, but I believe it to be a blatant violation of the FCRA. 

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-12 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: MO

Complaint narrative:
Im writing to formally dispute inaccurate information thats been reported on my credit file. Ive reviewed my credit report thoroughly, and Ive found an account/inquiry that is completely incorrect and does not belong to me. Let me be absolutely clear : this is not my debt, not my account, and I had no involvement whatsoever with it.

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 2025-06-13 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: SC

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for account listed without my expressed written consent.

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