vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-17 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:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX, TX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX Opened : XX/XX/year> DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} Date Opened : XX/XX/year> Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX, TX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX Opened : XX/XX/year> DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$1800.00} Date Opened : XX/XX/year>XXXX  Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
NOT SURE WHY THIS ACCOUNT IS REPORTING ON DIFFERENT PAGES. IT'S THE SAME ACCOUNT, REPORTED ON THE SAME DATES MONTHLY AND SHOULD BE ON THE SAME PAGE NOT 3 DIFFERENT PAGES.

I WENT TO THE CREDITOR THEY SAID THIS IS NOT SOMETHING THEY WOULD DO. 

MY CREDIT MONITORING SERVICE WANTED ME TO PAY {$100.00} TO SOMEONE TO PRINT ALL 3 OF YOUR REPORTS SO THEY COULD SEE IF IT WAS AN ERROR ON THEIR END. I DECLINED TO SPEND THAT KIND OF MONEY, THEY REFUSED TO CORRECT IT.

SO NOW YOU'RE IT, THIS LOOKS LIKE SOMETHING YOU DID AND NEED TO CORRECT IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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: TX

Complaint narrative:
This complaint serves as a formal and legally binding demand for the immediate removal of fraudulent accounts associated with the unauthorized use of my Social Security number and personal information. These accounts were not opened, authorized, or consented to by me in any form and do not pertain to any legitimate financial activity I conducted. Legal Basis for Immediate Removal : Pursuant to 15 U.S. Code 1681c2, I am invoking my legal right to demand the permanent removal of these fraudulent accounts. Under 12 CFR Part 1022, Subpart H, credit bureaus are required to remove and eliminate fraudulent data upon receiving notice of identity theft. You are required by law to remove this information within four ( 4 ) business days of receiving this letter. These are the list of Items need to be deleted ASAP : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX XXXX DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : $ XXXX Opened : XX/XX/year> DEPTEDXXXX XXXX XXXX XXXX XXXX XXXX Balance : {$1800.00} Date Opened : XX/XX/year> XXXX XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX  ) XXXXXXXX XXXX XXXX XXXX XXXX Balance : {$3800.00} Under 15 U.S. Code 1681a ( 2 ) ( B ) Exclusions from a consumer Report This account is in violation any credit transaction supposed to be excluded from a consumer credit report. if a social security card was used in the transaction. Under 15 U.S. Code 1692j - Furnishing certain deceptive forms I am not participating in the collection of this alleged debt. Cease and desist asap.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: GA

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: GA

Complaint narrative:
I am requesting the removal of the unauthorized inquiry on my report. I have already met all the necessary requirements and provided the required documentation for its deletion. I kindly ask that this be addressed promptly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: FL

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: TX

Complaint narrative:
I am filing a complaint against XXXX XXXX XXXX regarding an Avant account ( ending in XXXX ) that they claim to have acquired. I submitted multiple good-faith requests for debt validation and the assignment contract under the Fair Debt Collection Practices Act ( FDCPA ), but Resurgent failed to provide any legal documentation proving they have the right to collect or report this alleged debt. 

Instead, I received a generic letter dated XX/XX/year>, which did not include the original contract, a full accounting history, or proof of assignment. Despite this, XXXX continues to report this account to XXXX  ( # XXXX ), XXXX  ( # XXXX ), and XXXX  ( # XXXX ) as charged off and XXXX  XXXX  past due even though the balance is {$0.00} and the account was closed and transferred. 

This is a clear violation of the FDCPA ( 15 U.S.C. 1692g ) and the Fair Credit Reporting Act ( 15 U.S.C. 1681s-2 ( b ) ). They are furnishing inaccurate and unverifiable information, which has harmed my credit profile. 

I am requesting the CFPB investigate this matter and ensure XXXX ceases collection, removes the account from all credit reporting agencies, and provides proper documentation. I am also tracking all violations and may pursue statutory damages of {$1000.00} per violation under 15 U.S.C. 1692k.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: GA

Complaint narrative:
I am submitting this correction statement to address and clarify the current status of the following financial accounts and balances. This information is provided in good faith and is accurate to the best of my knowledge as of the date listed above. This correction is submitted in accordance with the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to dispute inaccurate or incomplete information in their credit records. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am in disagreement with the items listed below which still appear on my credit report, even after your Investigation. I would like these items immediately re-investigated. These inaccuracies are highly injurious to my credit rating. 
The following inquiry was not and should not be reporting. 
XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX  XX/XX/year> XXXX  XXXX XX/XX/year> XXXX XX/XX/year> XXXX XXXX XX/XX/year> XXXX XX/XX/year> XXXXXXXX XXXX XXXX XX/XX/year> XXXX XX/XX/year>

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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:
Formal Legal Notice of Intent to Sue for Violation of FCRA 605B * * XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX Date : XX/XX/XXXXXXXX  To : EXPERIAN XXXX XXXX XXXX XXXXXXXX, TX XXXX Intent to Sue for Non-Compliance with FCRA 605B ( 15 U.S.C. 1681c-2 ) * * Dear Bureau, I am writing to formally notify you of my intent to pursue legal action for your failure to comply with the Fair Credit Reporting Act ( FCRA ) 605B, which mandates that you block information resulting from identity theft from my credit report within four business days upon receipt of the relevant documentation. 
* * Fraudulent Accounts in Question : * XXXX XXXX XXXX XXXXXXXX opened on XX/XX/XXXXXXXX  account number XXXX, credit card account XXXX XXXX opened on XXXXXXXXaccount number XXXX, line of credit account XXXX XXXX opened on XX/XX/XXXXXXXX  account number XXXX, credit card account XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX account number XXXX, unsecured loan XXXX XXXXXXXX opened on XX/XX/XXXX account number XXXX, sales contract XXXX XXXX opened on XXXX XXXX account number XXXX, unsecured loan XXXX  XXXX opened on XX/XX/XXXX account number XXXX, collection account XXXX XXXX XXXX opened XXXX XX/XX/XXXX account number XXXX, collection XXXX XXXX XXXX opened XXXX XXXX XXXX account number XXXX, collection XXXXXXXX XXXX XXXX opened on XXXX XXXX account number XXXX, collection XXXX XXXX XXXX  opened on XXXX XXXX account number XXXX INCORRECT ADDRESSES - XXXX XXXX XXXX XXXX XXXX FL XXXX, XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX FL XXXXXXXX XXXX XXXXXXXX FL XXXX.These accounts, along with unauthorized hard inquiries and ADRESSES & fraudulent collections, have been flagged as identity theft. Enclosed is a Federal Trade Commission Identity Theft Criminal Complaint substantiating the fraudulent nature of these accounts. Your continued failure to block this false information inflicts ongoing damage to my FICO credit report. I demand immediate action to block all disputed accounts, collections, and inquiries within the next four business days, in strict adherence to the FCRA. Furthermore, I seek a detailed explanation regarding your verification process, particularly how it failed to address and correct these inaccuracies in my credit report, resulting in harmful ramifications to my creditworthiness.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In pursuant of section 1006.34a ( 1 ) and 15 USC 1692g requires a debt collector to provide debt validation and disclose details about debt in question. I sent a letter asking for the original contract, address, location, payment history, and valid signature. However, debt collector repeatedly failed to validate and refuse to investigate. However, collector continues to contact me after request to stop collection activities. I have a right to review the original contract as requested or cease and desist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Hello, I am submitting this complaint concerning the fraudulent items found in Experian and TransUnion Credit Bureaus. I am requesting once again for the removal of these fraudulent items from my credit file. Please review the list of fraudulent items that I would like to be removed in my next update : XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$360.00} 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 2025-05-17 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:
The credit reporting agencies stated that these accounts were properly investigated and came back as verified. However, how is this true when there are several inaccuracies showing on my report? 

As a consumer, I request to know all the steps your agency took to insure these items were 100 % accurate under 15 U.S.C. 1681i ( 7 ) Method of verification- Description of reinvestigation procedure

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
Im writing to formally request a reconsideration of several disputes I filed regarding charges from the merchant XXXX While I initially attempted to resolve this over the phone, only a portion of the charges were disputedand unfortunately, those disputes were ultimately declined. 

Since then, Ive been in contact with other Chase customers who were also affected by this merchant and had similar experiences. However, unlike my case, their disputes were accepted and resolved in their favor. Given this information, Im concerned that my situation may not have been reviewed thoroughly or consistently. 

I believe these charges were part of a broader issue involving deceptive practices by this merchant. I would appreciate it if you could reopen and fully review all of the disputed transactions with dingdingding.com. Based on what I've heard from other people, it is likely that XXXX has responded to these disputes, but their response does not address my issue and I believe that after reviewing the evidence you will find that XXXX is acting in bad faith. 

Please let me know if any additional documentation or information is needed from my end to support this request. 

Thank you for your time and attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: GA

Complaint narrative:
I am submitting this correction statement to address and clarify the current status of the following financial accounts and balances. This information is provided in good faith and is accurate to the best of my knowledge as of the date listed above. This correction is submitted in accordance with the Fair Credit Reporting Act ( FCRA ), which grants consumers the right to dispute inaccurate or incomplete information in their credit records. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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 requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Payment Status : Current Last Payment : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Current Last Payment : XX/XX/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-17 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:
I requested the correction of inaccurate information which another credit reporting agency found to be inaccurate and had removed. Due to your lack of response, or a response that I classify as frivolous, Credit Bureaus have dishonored FCRA regulations and my request for verification. I need to correct credit bureaus ' errors and update my records. Here is the list of accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX Payment Status : Current Last Payment : XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX Payment Status : Current Last Payment : XX/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 2025-05-17 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In pursuant of section 1006.34a ( 1 ) and 15 USC 1692g requires a debt collector to provide debt validation and disclose details about debt in question. I sent a letter asking for the original contract, address, location, payment history, and valid signature. However, debt collector repeatedly failed to validate and refuse to investigate. However, collector continues to contact me after request to stop collection activities. I have a right to review the original contract as requested or cease and desist.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-17 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: UT

Complaint narrative:
THIS ITEM EXPIRED IN XXXX XXXX, WHY IS IT STILL ON MY REPORT????? SEE ATTACHED. IT IS NO LONGER ON XXXX XXXX OR XXXX. WHY ARE YOU STILL REPORTING THIS OUTDATED ACCOUNT?????

Company response to consumer: Closed with non-monetary relief