vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
To Whom It May Concern, My name is XXXX XXXX XXXX XXXX, and I am submitting this formal complaint under the Fair Credit Reporting Act ( FCRA ), Section 609, regarding the inaccurate personal information being reported by [ INSERT BUREAU NAME ].

I previously submitted a written dispute with the required supporting documentation, but I have not received a response or any resolution after more than 30 days. 

Let me be absolutely clear : XXXX XXXX My only legal name is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  My only current and correct address is : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX * * All other names and addresses appearing in my credit report are incorrect, outdated, or were never authorized for reporting. I am formally requesting the immediate and permanent removal of the following inaccurate information from my credit file XXXX XXXX XXXX XXXX XXXX XXXX Incorrect Name Variations : - XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Incorrect or Outdated Addresses : - XXXX XXXX XXXX, XXXX, IN XXXX - XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, IN XXXX - XXXX XXXX XXXX, XXXX, IN XXXX - XXXX XXXX XXXX XXXX, XXXX, IN XXXX - XXXX XXXX XXXX, XXXX, IN XXXX -- - These errors can affect my creditworthiness and future applications. I demand that only my verified information remain and all other variations be removed from your system immediately. 

I have attached my government-issued ID and proof of address for your records. Please update my file accordingly and confirm these changes in writing. 

Thank you for your prompt attention. 

Sincerely, XXXX XXXX XXXX XXXX DOB : 1XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone : ( XXXX ) XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I disputed a XXXX XXXX account with Equifax as inaccurate and unverifiable under the Fair Credit Reporting Act ( FCRA ) 1681i. In their response, Equifax stated the account was verified as belonging to me and updated Additional Information and Account History fields. However, Equifax has not provided any documentation from XXXX XXXX proving that I opened or am legally responsible for this account. 

Their verification appears to rely solely on automated data from the furnisher, not an independent or reasonable investigation as required by law. No signed contract, application, or authenticated billing records were provided. The updated fields still contain inaccurate information, including [ insert specific errors, such as wrong open date, incorrect balance, or inaccurate payment history ].

Continued reporting of this account without proof violates FCRA 1681i ( a ) and 1681s-2 ( b ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NM

Complaint narrative:
On XX/XX/year>, I contacted Experian to dispute late-payment entries that occurred while I was XXXX XXXX XXXX I asked Experian to review the accuracy with the furnishers and to add a statement of hardship. The agent told me it was my problem and then hung up. I am requesting a reinvestigation, a consumer statement on my file, and confirmation of the results in writing. 
I want all the late payments removed. the Law says they can't be added unless they follow the Law. which Experian Doesn't.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA XXXX ( XXXX. XXXX XXXX XXXX. 
XXXX ) that you, the TransUnion credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : INQUIRIES : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  - Account Number : XXXX * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$500.00} XXXXXXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$480.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX  XXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX XXXXL - Account Number : XXXX * XXXX, Date Opened : XX/XX/XXXX, Balance : {$130.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date Opened : XX/XX/XXXX, Balance : {$480.00} These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. Ive 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 said fraudulent items. I do not recognize these accounts, collections and 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 said accounts, collections and hard inquiries are a result of identity theft, and fraud. I have attached a copy of the FTC identity theft criminal complaint case number XXXX, XXXX as proof from the XXXX federal trade commission that all of the aforementioned, consumer credit accounts, collections and hard inquiries are in fact a 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 explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the 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. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$17000.00} XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4900.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX - Account Number XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$0.00} XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$9100.00} XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$780.00} LENDING PT - Account Number : XXXX * * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$160.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$4100.00} XXXX XXXX  - Account Number : XXXX * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$7000.00} XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXate Opened : XX/XX/XXXX, Balance : {$24000.00} XXXX XXXX - Account Number : XXXX * * * * XXXX, Date Opened : XX/XX/XXXX, Balance : {$21000.00} XXXX/XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$14000.00} XXXX XXXX  - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/XXXX, Balance : {$15000.00} XXXX  XXXX - Account Number : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, Date Opened : XX/XX/XXXX, Balance : {$2100.00}

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

I looked at my XXXX XXXX & TransUnion credit report on XX/XX/year>, and noticed some things are incomplete and not accurate. And according to the fair credit reporting act Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ).

And according to 15 USC 1681 5 they are suppose to do this ( XXXX ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( XXXX ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

And according to 15 USC 1681s-2 they are suppose to not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2025-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: NY

Complaint narrative:
VICTIM OF IDENTITY THEFT, I AM TIRED OF REPORTING THIS & ALL FRAUDACCOUNT XXXX IS FRAUD. 
ADDRESS XXXXXXXX XXXX  IS NOT MINE! MY IDENTITY HAS BEEN LEAKED & PASSWORDS & EMAILS ON THE DARK WEB! I HAVE POLICE REPORT IF YOU DO YOUR JOB & READ THAT MY WALLET AND SS CARD WAS STOLEN!!!! I LIVE AT XXXXXXXX XXXX UPDATE MY ADDRESS & REMOVE FILE FROM MY CREDIT REPORT! ITS NOT MINE! THEY WROTE TO ME BY EMAIL SAYING THEY MADE AN INVESTIGATION & I AM RESPONSIBLE FOR THAT ACCOUNT! YET THEY DID NOT FURNISH ANY PROOF! THEY ARE IN VIOLATION OF FEDERAL LAW BECAUSE I AM A VICTIM OF IDENTITY THEFT! POLICE REPORT TO BE INCLUDED AND FTC IDENTITY THEFT REPORT!!! POLICE SAID I DO NOT NEED TO MAKE NEW POLICE REPORT AS THERE IS ALREADY AN ACTIVE ONE AND IT STATES THAT MY SS CARD + MANY ITEMS WERE STOLEN AS WELL AS LICENSE! BY THE WAY THIS ACCOUNT HAS SO MANY INCONSISTENCIES ON RECORD AND THE LAW STATES IT HAS TO HAVE MAXIMUM POSSIBLE ACCURACY!! IF NOT MY LAWYER WILL PURSUE LEGAL ACTIONS THIS ACCOUNT WAS PURCHASED FROM XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

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 2025-08-13 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), Regulation F, and UCC 9-406. I dispute this debt in its entirety and request the following : 1. Full chain of title from the original creditor ( Department Store XXXX XXXX ) to the present claimant, including all assignments, transfers, or sales agreements.

2. Copy of the original signed contract or policy application with my signature.

3. Complete itemized accounting of the alleged amount, including principal, interest, and fees.

4. If the debt was securitized, a copy of the relevant portion of the Pooling & Servicing Agreement ( PSA ) showing authority to collect.

5. Proof you are authorized to collect on behalf of the current owner, including any limited power of attorney.

Under 15 U.S.C. 1692g ( b ), you must cease all collection activity, including credit reporting, until you provide full validation.

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : ACCOUNTS : XXXX XXXX XXXX - Account Number : XXXX XXXX XXXX XXXX XXXX XXXX, Date Opened : XX/XX/year>, Balance : {$6800.00}

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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I was notified My personal information was involved in a data breach. I have many spam calls and fraud accounts reporting to my credit profile. According to the Fair credit reporting act Section 609 ( a ) ( 1 ) ( A ) and us code 1681e, you are required by federal law to verify through the physical verification of the original signed consumer contract- any and all accounts you post on a consumer report. Otherwise, anyone paying for your reporting services could fax, mail, email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. I demand the accounts to be removed * XXXX FUNDING * * {$450.00}!!

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I was notified My personal information was involved in a data breach. I have many spam calls and fraud accounts reporting to my credit profile. According to the Fair credit reporting act Section 609 ( a ) ( 1 ) ( A ) and us code 1681e, you are required by federal law to verify through the physical verification of the original signed consumer contract- any and all accounts you post on a consumer report. Otherwise, anyone paying for your reporting services could fax, mail, email in a fraudulent account. I demand to see verifiable proof ( an original consumer contract with my signature on it ) you have on file of the accounts listed below. I demand the accounts to be removed * XXXX FUNDING * * {$450.00}!!

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 2025-08-13 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: NY

Complaint narrative:
XXXXI sent a certified letter to EquifaxXX/XX/XXXX with a tracking number XXXX XXXX XXXX XXXX XXXX XXXX via XXXX. The letter was received onXX/XX/XXXX Equifax did not reply to my request I proceeded to send another letter datedXX/XX/XXXX which was also ignored. The account I am disputing is with bank:XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX $0'

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

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 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 2025-08-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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

1681c2 ) that you, the TransUnion credit reporting agencys block the information appearing on my consumer credit report that is the result of identity theft, and fraud within four business days of you receiving this complaint. This fraudulent, inaccurateand false information consist of personal credit card accounts, auto loans, personal loansand open end unsecured consumer accounts as follows : 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2025-08-13 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: MI

Complaint narrative:
under the Fair Debt Collection Practices Act ( 15 U.S.C. 1692g ), Regulation F, and UCC 9-406. I dispute this debt in its entirety and request the following : 1. Full chain of title from the original creditor ( XXXX XXXX XXXX  XXXX. ) to the present claimant, including all assignments, transfers, or sales agreements. 

2. Copy of the original signed contract or policy application with my signature.

3. Complete itemized accounting of the alleged amount, including principal, interest, and fees.

4. If the debt was securitized, a copy of the relevant portion of the Pooling & Servicing Agreement ( PSA ) showing authority to collect.

5. Proof you are authorized to collect on behalf of the current owner, including any limited power of attorney. 

Under 15 U.S.C. 1692g ( b ), you must cease all collection activity, including credit reporting, until you provide full validation.

Company response to consumer: Closed with explanation