vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
I recently found that there are several fraudulent items on my credit report that don't belong to me. I do not have a record of doing business with these companies. I am a victim of identity theft. The information attached below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. I am the primary consumer of the complaint and there is no third party involved. This complaint was not submitted in error. Attached you will also find my ID as proof of my identity, my Proof of Address, and SSN Card.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
Tried to have two wrong names removed they denied the change Tried to remove wrong address removed as I never lived there and denied change

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Debt Management Incorporated
State: IL

Complaint narrative:
I received XXXX calls in XXXX minutes from a XXXX XXXX stating I needed to call them regarding an important matter. The calls came from a local number. I called back and spoke to someone who verified the last XXXX of my SSN and said I had a collection account for a loan from XXXX XXXX XXXXen out on XX/XX/year>. I told him I never took a loan out from such a place. He said they also do business as XXXX XXXX XXXX XXXX. I said I never took a loan out from any of those places. I asked how much the original amount was, he said {$500.00}. I asked for written documentation of the original debt to be sent to me. He said they had already sent that to me more than 90 days ago. I said I never received anything from them. He said " So you are refusing to pay this debt and wish to dispute it. '' I told him I won't pay something I did not take out in the first place. He said I can dispute it as ID theft if I have evidence of that, had I filed charges for ID theft on this case. I said this is the first I've ever heard of it. He said, " fine, I understand your position is to refuse so you can work it out with the creditors, here 's my extension '' rattled off XXXX numbers and hung up. 

I looked at my credit reports and like I thought there was no loan from 2020 that was in collections from any of the companies he mentioned. I looked up XXXX XXXX and XXXX. I called both companies and verified that there had never been a loan in my name or with my XXXX taken out from either of them. Both companies said they had been getting calls like mine a lot. 
I called XXXX XXXX XXXX XXXX and verified that they were not trying to collect any debts in my name. They are also aware that scam companies are using their XXXX name to try to scam people out of money. 

This person wanted me to pay over {$670.00} of some {$1300.00} imaginary debt they created. He used XXXX XXXX  that had I been less educated on how these scams work would have probably scared me into setting up a payment. I have had too many of these stupid companies try this to fall for it.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I kindly request that you investigate this matter and correct the status of my account to reflect the timely payment. I would appreciate your confirmation once this issue has been resolved. The imposition of this charge is not only incorrect but also a violation of our agreement. Please review your records regarding this payment. I have enclosed copies of documents and attached the report to verify that the payment was processed before the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: MO

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
I have two disputed debtsone from XXXX ( Acct XXXX, charged off XX/XX/XXXX, balance {$1000.00} ) and one from XXXX XXXX XXXX ( Acct XXXX, charged off XX/XX/XXXX, balance {$900.00} ) that LVNV Funding LLC ( owner ) and Resurgent Capital Services ( servicer ) continue to collect and report to my credit file. I filed prior CFPB inquiries ( XXXX XXXX. XXXX & XXXX ). In both responses ( XX/XX/XXXX ), Resurgent flatly refused to provide any proof of ownership : no signed cardmember agreement, no chain-of-assignment or purchase-and-sale agreements, and no documentation authorizing them to collect. Despite repeated demands, they continue furnishing unvalidated debts to XXXX XXXX and XXXXcausing material harm to my credit score, emotional distress, and financial hardship. 
Their conduct violates : CFPBs Unfair, Deceptive, or Abusive Acts or Practices ( 12 U.S.C. 5531 ) FDCPA 1692g ( 15 U.S.C. 1692g ) for failure to validate properly FCRA 1681s-2 ( 15 U.S.C. 1681s-2 ) for reporting unvalidated debts Oklahoma Consumer Protection Act 753 ( 20 ) ( 15 O.S. 753 ( 20 ) ) as an unfair/deceptive practice Oklahoma Uniform Consumer Credit Code 6-201 & 6-202 ( 14A O.S. 6-201, 6-202 ) for failure to file assignment notifications In XXXX Cleveland, 396 B.R . 83 ( XXXX. XXXX XXXX XXXX ) chain-of-title requirements for debt buyers Oklahoma law requires significantly more proof of ownership than the FDCPAs minimal requirements. Resurgents refusal to produce : Bills of sale and purchase agreements identifying transfer dates, parties, and consideration An unbroken chain of assignment from XXXX and XXXX XXXX to LVNV Account-specific transaction records showing my name and account numbers Custodian of records declarations to authenticate business records constitutes a willful and deceptive practice under Oklahoma law and federal law. 

I have lost housing and loan opportunities, suffered XXXX  and XXXX, and incurred legal costs defending unvalidated debts. Under Oklahoma law, failure to maintain and produce complete assignment and account documentation is an unfair or deceptive trade practice ( 15 O.S. 753 ( 20 ) ) and violates the OUCCC notification requirements ( 14A O.S. 6-201, 6-202 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C.

1681c-2 ) that you, the TransUnion LLC Consumer Dispute Center, block information appearing on my consumer credit report that is the result of identity theft and fraud within XXXX business days of you receiving this complaint. The following items do not belong to me and is a result of fraud that I did not authorize : Also, would like to have all addresses and names REMOVED from my credit report, except for my only name and address listed below : Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: TX

Complaint narrative:
I recently contacted XXXX XXXX XXXX XXXX  regarding multiple accounts and hard inquiries that were illegally and fraudulently added to my credit profile, including a collection by IC System Incorporated for XXXX XXXX XXXX XXXX XXXX XXXX  related to a home I gifted publicly on social media in XXXX for XXXX XXXX 

I did not authorize or initiate any of these accounts, nor did I apply for services with XXXX XXXX XXXX XXXX XXXX XXXX. The balance of {$130.00} is not mine, and I never had an agreement, contract, or service with that utility company. Yet this account is being falsely reported as mine and marked as " seriously past due '' and " assigned to collections ''. 

Additionally, several unauthorized hard inquiries have been made against my credit report, including : XXXX XXXXXXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  There is also a revolving account ( ending in XXXX ) reflecting a past-due balance of {$2600.00} and a 120-day delinquency again, this account does not belong to me.


These entries are in direct violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act : 15 USC 1681b : Permits access to consumer reports only with a permissible purpose. 15 USC 1681e ( b ) : Requires maximum possible accuracy of information. 15 USC 1681c-2 : Gives me the right to block information resulting from identity theft. 15 USC 1692e : Prohibits false or misleading representation of debts. Both XXXX XXXX XXXX have my valid photo ID, proof of address, and contact information on file. Despite this, these items were allowed to be added without proper verification or notification.

I am now demanding : Immediate removal of all fraudulent accounts and inquiries.

An investigation under 15 USC 1681i, with written confirmation of the outcome.

A block under 15 USC 1681c-2 for all identity theft-related entries.

If this matter is not resolved promptly, I will escalate it to the CFPB, FTC, and take legal action under federal 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 2025-07-15 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: IL

Complaint narrative:
As a direct result of a recent data breach, my personally identifiable information was compromised and misused without my knowledge or consent. This led to the appearance of unauthorized accounts, unfamiliar credit inquiries, and inaccurate late payment entries on my credit reportall of which I did not initiate, authorize, or recognize. I am formally requesting a comprehensive reinvestigation into these accounts and inquiries under the Fair Credit Reporting Act ( 15 U.S. Code 1681i ), and I ask that all inaccurate, unverifiable, or fraudulent information be permanently removed from my credit file. I have enclosed supporting documentation, including an Identity Theft Report, to assist in resolving 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 2025-07-15 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: OH

Complaint narrative:
You have reported inaccurate and unauthorized accounts on my credit report, which is a violation of the Fair Credit Reporting Act ( 15 U.S. Code 1681i ) requiring a proper reinvestigation of disputed items, and 1681e ( b ), which mandates maximum possible accuracy. These false entries are damaging and unjust, especially since Ive never opened or authorized these accounts. If you fail to investigate and correct this, I may pursue legal action under the FCRA and FDCPA ( 15 U.S. Code 1692e ) for deceptive and misleading reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
" I was utterly shocked and devastated upon discovering unauthorized accounts, credit inquiries and inaccurate personal information made or reported without my knowledge or consent. Despite my efforts to seek clarification from the creditors, they have shamefully failed to provide the necessary information. I demand immediate action and transparency from the creditors. The creditors must provide detailed information on each account and inquiry, including dates, purposes, and types of credit products involved, furnish relevant application documents, and present evidence of explicit authorization for each inquiry. Please see the attached file for what I am complaining about! 

"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: FL

Complaint narrative:
This is a follow-up to my previous written dispute regarding fraudulent accounts and inquiries appearing on my consumer report. Per FCRA 605B ( 15 U.S.C. 1681c-2 ), you are required to block all information resulting from identity theft within four business days of receipt.

The following accounts and inquiries do NOT belong to me and were obtained fraudulently without my consent : ACCOUNTS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: IN

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I previously submitted a letter addressing the inaccuracies and unfamiliar items on my credit report. However, it has now been over 30 days, and I have not received a response. It appears my disputes are being disregarded, which raises serious concerns. Under Section 611 ( a ) of the Fair Credit Reporting Act ( FCRA ), credit reporting agencies are required to investigate disputed items within 30 days. If they fail to do so, these items must be removed from my report. 

As more than 30 days have passed, I expect immediate updates to my credit report reflecting the removal of these disputed accounts. Should this not be addressed promptly, I will be left with no option but to pursue legal action to resolve this issue, as the continued inaction has caused significant stress. 

Moreover, I was affected by the Equifax, Experian, and TransUnion data breaches, which heightens my concern regarding the security and handling of my personal information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 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: TN

Complaint narrative:
I kindly request that you investigate this matter and correct or remove the inaccurate information from my credit report as required under the Fair Credit Reporting Act. Please inform me of the outcome of your investigation and provide an updated copy of my credit report once the necessary corrections have been made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
American Express approved XXXX fraud dispute but denied XXXX others for the EXACT SAME FRAUD by the same merchant. This is discriminatory and legally indefensible. 

MERCHANT XXXX XXXX XXXX XXXX ( XXXX  ) TOTAL FRAUD : {$52000.00} I paid for " XXXX XXXX XXXX '' XXXX shops that were never delivered. After XXXX  months, I received either nothing or non-functional websites generating {$0.00} revenue. 

I filed XXXX disputes for : XXXX. Dispute XXXX : {$3400.00} - APPROVED BY AMEX ( XX/XX/XXXX ) XXXX. Dispute XXXX : {$21000.00} - DENIED citing " XXXX rule '' XXXX. Dispute XXXX : {$21000.00} - DENIED citing " XXXX rule '' THE PROBLEM : American Express CONFIRMED FRAUD XXXX XXXX approving the {$3400.00} dispute. They found XXXX XXXX XXXX XXXX deliver services. Yet they denied the other XXXX disputes for the IDENTICAL FRAUD, same merchant, same non-delivery, same evidence. 

This is arbitrary and capricious. They can not find a merchant committed fraud for XXXX charge but not for identical services. The XXXX rule can not apply selectively - either fraud occurred or it didn't. 

EVIDENCE : - Contract promised delivery in XXXX  months ( by XX/XX/XXXX ) - Merchant admitted in writing : " XXXX sales processed '' ( XX/XX/XXXX ) - Shop XXXX XXXX XXXX Non-functional, {$0.00} revenue - Shop XXXX XXXX XXXX Never delivered - I filed disputes immediately upon discovering fraud RESOLUTION REQUESTED : XXXX. XXXX reversal of denied disputes XXXX and XXXX XXXX. Full refund of {$43000.00} ( matching their fraud finding on identical service ) XXXX. Investigation into American Express 's inconsistent application of dispute policies I've already filed for arbitration due to this discriminatory treatment. American Express is protecting a fraudulent merchant while selectively denying legitimate consumer protections. 

-- NOTE : I also have : All XXXX  dispute decision letters Screenshot showing identical merchant/amounts Contract showing promised delivery dates XX/XX/XXXX merchant admission of " XXXX sales ''

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This letter is a formal notice of dispute under the Fair Credit Reporting Act ( FCRA ) regarding inaccurately reported late payment dates on the above-referenced account appearing in my credit file. 
The reported derogatory payment data is factually and legally incorrect and constitutes a violation of my rights under multiple federal statutes. 
Creditor Name : [ XXXX XXXX XXXX Account Number : [ XXXX ]

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-15 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:
These inquiries are unauthorized and fraudulent, as I have no knowledge of these inquiries. Please take immediate action to remove these inquiries 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 explanation