vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-10-16 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: IL

Complaint narrative:
To : Equifax Dispute Department Email : XXXX Dear Equifax Dispute Department, I am writing to formally dispute and request the immediate removal or correction of several accounts appearing on my Equifax credit report that do not belong to me or have been inaccurately reported. These entries are fraudulent or incorrect and have negatively affected my credit standing. Please find below the details of the disputed accounts : Closed Accounts XXXX Amount : {$200.00} Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Reason for Dispute : Account not authorized or recognized. Incorrectly reported on my Equifax credit report. 
XXXX Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Reason for Dispute : Fraudulent or inaccurate reporting of missed payments not associated with me. 
XXXX XXXX  Date Opened : XX/XX/XXXX Date Closed : XX/XX/XXXX Reason for Dispute : Account was paid in full and should reflect that status on all credit bureaus. There should be no missed payments reported for this account. 
XXXX XXXX XXXX Amount : {$10000.00} Date Opened : XX/XX/XXXX Reason for Dispute : Fraudulent collection account. Not authorized or associated with me.

Fair Resolution Requested  Conduct a full reinvestigation under the Fair Credit Reporting Act ( FCRA ).  Remove or correct all inaccurate and fraudulent information listed above.

Provide written confirmation once all necessary updates are made.

Thank you for your attention to this matter. I look forward to receiving confirmation that these disputed accounts have been corrected or removed from my Equifax credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 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: AZ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT 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 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 2025-10-16 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: AZ

Complaint narrative:
There are some inaccurate accounts on my consumer report. I've listed in my letter the accounts that were opened fraudulently. 


FRAUDULENT 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: WI

Complaint narrative:
" Consumer Name : XXXX XXXX XXXX, Social Security Number : XXXX, Date of Birth : XX/XX/year> This formal complaint is submitted pursuant to FCRA Section 605B ( 15 U.S.C. 1681c-2 ), requesting that Equifax immediately block all fraudulent information appearing on my consumer credit report that is the result of identity theft. Under the FCRA, this action must be taken within four ( 4 ) business days upon receipt of this request. 

The following fraudulent collection accounts have been identified as unauthorized and inaccurately reported : Fraudulent Accounts to Be Removed : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX BALANCE : {$730.00}, XXXX XXXX XXXX XXXX XXXX BALANCE : {$4400.00}, XXXX XXXX XXXX XXXX BALANCE : {$0.00}. 


I have never applied for, authorized, or been associated with these accounts. These items are the direct result of identity theft and fraudulent activity. 

Attached to this complaint are : A copy of my FTC Identity Theft Report ( Report No. XXXX ) A detailed list of the fraudulent accounts In accordance with the FCRA and my rights as a consumer, I am requesting that Equifax immediately block and remove the listed fraudulent entries and cease all reporting and collection activity related to them. 

Thank you for your prompt attention to this matter. ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: Linebarger Goggan Blair & Sampson LLP
State: CA

Complaint narrative:
Received a letter from an alleged law firm called Linebarger Goggan Blair & Sampson , LLP with a XXXX XXXX CA address but the return address on the correspondence was from XXXX TX. 
The letter states a debt owed of {$570.00} for something from 'XXXX XXXX XXXX ' which does not exist. The correct name is XXXX XXXX XXXX XXXX XXXX and they have no knowledge of anything related to this firm, my name or the existence of anything called 'XXXX XXXX XXXX '.

This is outright fraud by a business trying to scam consumers. The FTC will be notified as soon as the government shutdown is over.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: NC

Complaint narrative:
Recently, I took the time to carefully review my credit reports, and I was alarmed to discover numerous inaccuracies that do not reflect my actual financial history. I have always prioritized paying my obligations on time, yet the way some accounts are being reported is inconsistent, misleading, and in several cases unverifiable. I am submitting this dispute under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 et seq., and I request a thorough reinvestigation of the following items. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$12000.00} XXXX XXXXXXXX XXXX Balance {$1200.00} Original Creditor XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance Owed : {$12000.00} XXXX XXXXXXXX XXXX Balance {$1200.00} Original Creditor XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$12000.00} XXXX XXXXXXXX XXXX  Balance {$1200.00} Original 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 2025-10-16 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am submitting this complaint to dispute inaccurate reporting on my credit file. Upon reviewing my credit report, I identified late payment information on several accounts that is either inaccurate or unverifiable, which may impact my creditworthiness. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$270.00} ; Date Opened : XX/XX/XXXX ; Last Payment : XX/XX/XXXX ; Late 30 days reported for XX/XX/XXXX and XX/XX/XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$850.00} ; Date Opened : XX/XX/XXXX ; Last Activity : XX/XX/XXXX. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$290.00} ; Date Opened : XX/XX/XXXX ; Last Payment : XX/XX/XXXX ; Last Activity : XX/XX/XXXX ; Late 30 days reported for XX/XX/XXXX. 
These inaccuracies violate my rights under the Fair Credit Reporting Act ( FCRA 607 ( a ), 15 U.S.C. 1681e ( a ) ), which requires credit reporting agencies to maintain reasonable procedures to ensure maximum possible accuracy. Additionally, under FCRA 611 ( a ) [ 15 U.S.C. 1681i ( a ) ], I have the right to dispute any inaccurate, incomplete, or unverifiable information and request a thorough reinvestigation.

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 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Finance System of Richmond, Inc.
State: LA

Complaint narrative:
I regret to inform you that I must dispute the accounts mentioned in my consumer credit report due to their association with potential fraud or unauthorized activity. I respectfully request verifiable evidence bearing my signature/electronic signature. This letter represents my personal request, and I emphasize the importance of reviewing it thoroughly. The actions taken without proper validation or original proof by the reporting companies have infringed upon my consumer rights under FCRA Section 604. I express my disappointment and concern over the unauthorized inquiries and actions taken regarding my accounts. These actions have caused me significant distress and demand a prompt resolution in line with the Fair Credit Reporting Act. 

XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: IL

Complaint narrative:
This account does not belong to me and is being reported inaccurately.

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 2025-10-16 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: NY

Complaint narrative:
My XXXX report shows inquiries from XXXX XXXX XXXX XXXX and Digital Federal Credit Union that I did not authorize. I have no accounts or applications with these institutions. These inquiries were made without my consent and are preventing me from opening new bank accounts. I contacted XXXX  and both companies to dispute and request removal of these inquiries but have not received verification or proof that I authorized them.

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 2025-10-16 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: CA

Complaint narrative:
Hello, I am submitting this follow-up complaint regarding a late payment that continues to be reported inaccurately on my credit file and has not been corrected despite my prior dispute. I have already submitted supporting information and made a clear request for correction. Under the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i, consumer reporting agencies and furnishers are required to conduct a reasonable reinvestigation when a consumer disputes the accuracy of information. Furthermore, the FCRA requires that unverifiable or inaccurate information must be corrected or deleted within the legally mandated timeframe. The continued reporting of this late payment is a direct violation of these provisions. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-10-16 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: NC

Complaint narrative:
I requested the original signed contracts, payment history, and documentation verifying ownership or assignment of the following accounts in question XXXX XXXX XXXX  and XXXX XXXX  which equifax have not furnished 1 time when I've requested them 2-3 times but leave them on my credit report as verified making it hard for me as a consumer to get credit or open certain accounts they have not done a proper investigation its a violation of my consumer rights lets also keep in mind were past 30 days with no response the account must be deleted

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Aldous & Associates, PLLC
State: LA

Complaint narrative:
I am profoundly disappointed and angered by the flagrant violation of my consumer rights through the dissemination of inaccurate information. Fair treatment and adherence to the FCRA and XXXX XXXX standards are expected, and I demand immediate rectification. The credit report I received is shockingly inaccurate, which raises doubts about the validity of your claims. The controversial nature of these claims and their lack of independent verification further exacerbate my concerns. I urgently request the removal of any false accounts from my credit report to prevent future financial repercussions. My credit report is of utmost importance to me, and I insist on receiving only factual, verified, and compliant data. 

XXXX  - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
XX/XX/XXXX {$1200.00}, XX/XX/XXXX {$1000.00}, XX/XX/XXXX {$530.00} Added to my collections when i never signed a agreement with this company nor know who they are.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: TX

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the documents needed are a picture ID, a bill, and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX according to XXXXDebt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ). I have provided my ID along with the XXXX letter signed by other required documents that verifies me. I kindly request that you block this information from my credit report within XXXX business days, pursuant to section 605C of the Fair Credit Reporting Act. I have given you my identification as well as the information requested from the list of acceptable items which only XXXX are required per the Law. I have provided all needed documentation as well as a victim determination letter according to 1022.142 ( b ) ( 6 ).

To Whom It May Concern, Please consider this letter a formal dispute of the alleged debt pursuant to the FDCPA, 15 U.S.C. 1692g ( b ). I also request verification, validation, and the name and address of the original creditor pursuant to 15 U.S. C. 1692g ( b ). According to, 15 U.S. Code 1681 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. Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report und the following circumstances and no other : ( XXXX ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDENTITY THEFT. As a consumer I am demanding the deletion of the accounts ( or inquiries ) listed 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 explanation
Consumer complaint received 2025-10-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I am submitting this letter as a second-round dispute concerning the continued presence of inaccurate late payment information on several open accounts listed under my Equifax, Experian and TransUnion credit file. Despite my initial dispute and supporting documentation, the reported data for the accounts below remain incorrect, unverified, and inconsistent with my true payment history. Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ), and 623 ( b ), both Equifax, Experian and TransUnion and the furnishers of information are required to maintain, verify, and report only accurate and fully substantiated information. 
DEPT OF EDXXXX 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 2025-10-16 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: GA

Complaint narrative:
I am submitting this letter as a second-round dispute concerning the continued presence of inaccurate late payment information on several open accounts listed under my Equifax, Experian and TransUnion credit file. Despite my initial dispute and supporting documentation, the reported data for the accounts below remain incorrect, unverified, and inconsistent with my true payment history. Under the Fair Credit Reporting Act ( FCRA ) 602 ( A ), 607 ( b ), 611 ( a ), 623 ( a ) ( 1 ) ( A ), and 623 ( b ), both Equifax, Experian and TransUnion and the furnishers of information are required to maintain, verify, and report only accurate and fully substantiated information. 
DEPT OF EDXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-10-16 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: WI

Complaint narrative:
Consumer Name : XXXX XXXX, Consumer Social Security Number : XXXX, Date of Birth : XX/XX/year> This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Transunion 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 your receiving this complaint. This fraudulent, inaccurate, and false information consists of Collections : XXXX XXXX XXXX XXXX XXXX XXXX  BALANCE : {$16000.00}, XXXX XXXX XXXX XXXX : {$9000.00}, XXXX XXXX XXXX : {$0.00}, XXXX XXXX  XXXX XXXX XXXX XXXX {$3900.00}, XXXX XXXX XXXX XXXX : {$650.00}. I have attached a list of the fraudulent items appearing as well as a copy of the FTC consumer credit report maintained by you which shows these fraudulent accounts and 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 your agency are the result of identity theft and fraud. I have attached a copy of the FTC identity theft report number XXXX as proof from the US Federal Trade Commission that all of the aforementioned consumer credit accounts and collections are result of identity theft and fraud.

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