vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: Experian Information Solutions Inc.
State: NC

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
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Experian Credit Bureau removed all of my good accounts from credit report leaving the frivolous items there.

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 2025-06-11 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 have not supplied proof under the doctrine of estoppel by silence, Engelhardt V. Gravens ( MO ) 281 SW 715.719. I presume that no proof of the alleged debt, nor therefore any such debt, in fact therefore exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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:
Consumer Name XXXX XXXX XXXX, Consumer Social Security Number XXXX Consumer Date of Birth XX/XX/XXXX Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the EQUIFAX credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a credit card account opened at XXXX  XXXX on XX/XX/XXXX under the account number XXXX, a credit card account opened at XXXX XXXX under the account number XXXX. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # ( private case number ) as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, and hard inquiries are the result of identity theft and fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 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: OH

Complaint narrative:
Ive recently discovered several late payment notations on my credit report that are completely false, and I want to make it clear that I will not tolerate these inaccuracies being used to misjudge my financial character. These harmful entries are dragging down my credit score, affecting my access to opportunities, and putting unnecessary strain on my mental and emotional health. Some of these alleged late payments were in fact made on time, while others may stem from clerical mistakes or internal processing delays that were never communicated to me.

The Fair Credit Reporting Act requires that every piece of data on a consumer report be factually accurate and verifiable by original documentation. That means if these late payment entries can not be backed up with real, dated billing statements or signed agreements, they should not be reported at all. I am demanding that these entries be immediately corrected or removed, depending on what the documentation proves. If the credit reporting agencies or furnishers continue to ignore this matter, I will interpret that as a willful and deliberate violation of federal lawand respond accordingly. I deserve better, and I will fight until this is made right.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: OH

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Future Judgement Solutions
State: CA

Complaint narrative:
I received a voicemail stating the following : This company is reporting that they purchased a debt from a XXXX XXXX XXXXXXXX from 2009. I have never had credit from this company. They refused to send me the credit card number, the credit card agreement. They sent this to my old address and threatened to sue me in court if I did not pay them {$1700.00} immediately. 

I have never received any documents from this company via mail. 
I called the XXXX XXXX XXXX XXXX XXXX XXXXXXXX and was notified that there was no filing. 


XXXX XXXX XXXX XXXX ( 1 minute ago ) to me I am urgently contacting you from my local department of documents procedures and conduct regarding the absence of your response to the notice previously mailed to you immediate attention is required failure to respond to this notice will result in hand delivery of documents to your primary residence or place of employment which can be considered a failure to comply your immediate action is critical if you have any questions or concerns you can contact the issue office directly at phone number XXXX This message is intended for XXXX XXXX my name is XXXX I'm XXXXust giving you a call back XXXX XXXXXXXX we spoke on the phone not too long ago in regards to documents we've previously sent and in regards to a current matter that's assigned to our office I'm just giving you a follow up to let you know that I did speak to the department in regards to the case and the options of mediation on your case if you'd like me to go over that you can give me a call back at phone number XXXX I am available Monday through Friday from XXXXXXXX XXXX to XXXX XXXX  mountain standard time and I'm gon na go ahead and extend a hold on your case XXXX XXXX until the end of the business thing Wednesday at XXXX XXXX  mountain standard time for you to get back in contact with me that week we can get your final statement on file again my direct phone number is XXXX thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( XXXX ) 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 non-monetary relief
Consumer complaint received 2025-06-11 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:
I have sent multiple letters to Equifax, Experian, and Transunion. They have not fixed the errors on my credit report. I have attached the dispute letters that I have sent to all bureaus. Please see the errors listed in a 3 bureau table. Please assist me in getting this issue resolved.

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: 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: CA

Complaint narrative:
On XX/XX/year>, Experian properly removed the XXXXXXXX XXXX account from my credit file after receiving and processing a complete Identity Theft Report, which included : A formal cover letter outlining the dispute, An FTC Identity Theft Report, A clear copy of my valid XXXX passport, and A recent utility bill to verify my identity and address. 

These documents were submitted in accordance with the Fair Credit Reporting Act ( FCRA ), XXXX XXXX. XXXX ( a ), which mandates that a consumer reporting agency block identity theft-related information from a credit report within XXXX ( XXXX ) business days upon receiving proper documentation and a police/FTC report. 

Despite this, on XX/XX/year>, Experian reinserted the XXXX XXXX  account back into my credit report without notice, violating the reinvestigation and notification requirements outlined in FCRA XXXX ( a ) ( XXXX ) ( B ) ( ii ). Experian failed to notify me in writing within XXXX business days of reinsertion, which is required by law, nor did they certify the accuracy or provide the name of the furnisher revalidating the information. It is also relevant that XXXX XXXX : Accepted my full payment, Never returned those funds, Yet still alterations were made to the account without authorization and the account citing non-payment, which further supports this account 's status as fraudulent and/or improperly reported. 

I request the CFPB to investigate this identity theft reinsertion violation and issue appropriate regulatory review of Experians conduct. 

Thank you for your urgent attention to this matter.

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: EQUIFAX, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, I filed FTC Identity Theft Report No. XXXX after discovering multiple unauthorized and fraudulent accounts on my Equifax credit report. My identity was compromised due to large-scale data breaches at Equifax ( XXXX, XXXX ), XXXX XXXX XXXX XXXX XXXX XXXX XXXX ), XXXX XXXX XXXX  )XXXX XXXX XXXX XXXX XXXX  XXXX and others. My PII and SSN were used without my consent to open or assign fraudulent accounts. 

The accounts include : XXXX XXXX XXXX XXXX ( fraudulent loan, ~ {$870.00} ) XXXX XXXX XXXX ( unauthorized collection, ~ {$860.00} ) XXXX XXXX XXXX ( unauthorized rental collection, ~ {$8600.00} ) XXXX XXXX XXXX ( fraudulent mobile account, ~ {$1700.00} ) XXXX XXXX ( unauthorized telecom account ) XXXX XXXX  XXXX ( fraudulent loan attempt ) I disputed these accounts and requested verification under FCRA 1681i, 1681e ( b ), 1681s-2 ( b ) and FDCPA 1692g. No original signed contracts or validation were provided. These accounts are the result of identity theft and must be deleted.

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: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXXXX/XX/XXXX Equifax Information Services LLC XXXXXXXX XXXX XXXX XXXX, GA XXXXXXXX XXXX XXXX XXXX Re : Security Freeze Request Dear Sir/Madam, I, XXXX XXXX XXXX XXXX XXXX Social Security Number XXXX, a resident of XXXXXXXX XXXX XXXX XXXX, FL XXXX, submit this affidavit to request a security freeze on my credit report.

Pursuant to my rights under applicable federal and state laws, including but not limited to the Fair Credit Reporting Act and any other relevant regulations, I hereby formally request that a Security Freeze be placed on my credit file immediately. 
Affidavit : Applicant Identification : Full Name : XXXX XXXX XXXX XXXX Social Security Number : XXXX Date of Birth : XX/XX/XXXXXXXX  Current Address : XXXX XXXX XXXX, XXXX XXXX FL XXXX Security Freeze Request : I request that a security freeze be placed on my credit report to prevent unauthorized third-party access, except for those legally authorized or with my explicit consent. 
This freeze should remain in place until I personally request its removal in writing, in compliance with applicable legal requirements. 
Attached Documentation : I have attached the following documents to verify my identity and process my request : A copy of my drivers license or government-issued ID. 
A copy of a recent utility bill or bank statement confirming my current address.

A copy of my Social Security Number.

Affirmation : I declare under penalty of perjury that the information provided in this affidavit is true and correct to the best of my knowledge. This request is made in good faith to protect my credit information.

Confirmation Request : I hereby request written confirmation of the receipt and implementation of this security freeze request. I appreciate your prompt attention to this matter. 
Sincerely, XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-06-11 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: OH

Complaint narrative:
Equifaxs repeated failure to address my disputes with care and thoroughness is now more than just negligenceit has become a pattern, one that echoes the same serious concerns the Consumer Financial Protection Bureau has already investigated. I will not allow my credit file to remain stained by errors that Equifax has failed to verify or remove, especially when that failure comes at a direct cost to my well-being and future. You have an obligation to treat consumer disputes seriously, and yet it feels as though my concerns have been dismissed entirely.

According to 15 U.S.C. 1681i, Equifax is legally required to reinvestigate all disputed items within 30 days, and to delete any information that can not be fully and independently verified. That means verifiable proofnot assumptions, not recycled data from unreliable sources. Furthermore, under 15 U.S.C. 1681 ( a ) ( 5 ), any information found to be incomplete, inaccurate, or unverifiable must be corrected or removed entirely. I am demanding immediate corrective action, not another automated response. If you fail to do your job now, I will escalate this matter through every available channel. You are not just mishandling datayou are mishandling lives.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-06-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
This is a formal dispute under the Fair Credit Reporting Act ( FCRA ). I am not disputing the validity of the account ( XXXX ) themselves, but the inaccurate and/or unverifiable late payment information associated with them. 
I am requesting the immediate and permanent deletion of only the late payment notations, while preserving all accurate positive history. 
Disputed Accounts and Issues XXXX XXXX  Accounts : XXXX, XXXX Late payments reported after account closure Conflicting remarks : Dispute Resolved, Account Delinquent, and Consumer Disputes Inaccurate payment status reported differently across all XXXX bureaus XXXX XXXX XXXX XXXX Account : XXXX XXXX day late payments reported after account closed Consumer Dispute Resolved remark without sufficient validation Violation of timely reinvestigation procedures Legal Violations : 15 U.S.C . 1681e ( b ) : Credit bureaus must maintain maximum possible accuracy. Reporting late payments after an account is closed without full verification is inaccurate and misleading.

15 U.S.C. 1681i ( a ) ( 1 ) : Upon receiving a dispute, credit bureaus must conduct a reasonable reinvestigation. If the information can not be verified with original documentation, it must be deleted within 30 days. 
15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ) : Data furnishers are prohibited from reporting information they know or should know to be inaccurate, including unjustified late payments.

15 U.S.C. 1666b : Creditors can not impose late fees or report late payments unless payment was due at least 21 days prior. Many late entries are invalid under this rule.

15 U.S.C. 1637b : Requires full transparency and disclosure for credit reporting. Failing to explain the cause of a late payment on a closed account violates this law. 
15 U.S.C. 1681n and 1681o : Willful or negligent noncompliance with these laws allows consumers to sue for damages, attorneys fees, and punitive damages.

Action Requested I respectfully request that these inaccurate late payment entries be removed. If your investigation can not fully verify them with original, signed documentation within 30 days, you are required to delete them under FCRA 1681i ( a ) ( 5 ) ( A ). 
Failure to comply will result in formal complaints to the CFPB, FTC, and State Attorney General. I also reserve the right to pursue legal action. 
Please provide written confirmation that the late payment information has been permanently removed from my credit report.

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