vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the Experian credit reporting agency, block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of a personal credit card account opened at XXXX XXXXXXXX XXXX on XX/XX/year>2023, a XXXX XXXX XXXX account opened on XX/XX/year>2023 under and a Utility bill on XX/XX/year>2023. These accounts have resulted in several fraudulent hard inquiries and fraudulent collections appearing on my consumer FICO credit report. I've attached a list of the hard inquiries in question as well as a copy of the consumer FICO credit report maintained by you which shows the aforementioned fraudulent items. I do not recognize the aforementioned accounts, collections, or hard inquiries as reported. The aforementioned accounts, collections, and hard inquiries appearing on my consumer credit report maintained by you were not opened, made, or initiated by me. All of the aforementioned accounts, collections, and hard inquiries are the result of identity theft and fraud. I have attached a copy of FTC Identity Theft Criminal Complaint # XXXX as proof from the XXXX Federal Trade Commission that all of the aforementioned consumer credit accounts, collections, hard inquiries 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 explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: P&B Capital Group, LLC
State: IL

Complaint narrative:
I am being harassed for a family members debt. I myself do not have any debt and have a credit score over XXXX. I dont remember the first time they called me regarding a family member XXXX XXXX . I dont know how they got my number. I told them that I am not affliated and do not keep in touch, and to no longer contact me. 

P & B Texted me XX/XX/XXXX XXXX XXXX, please call P & B Capital Group LLC at XXXX for ref # XXXX to avoid a delinquent tradeline report. Stop to stop. 

P & B called me XX/XX/year> for XXXX from XXXX ( XXXX ) XXXX. I left vm for XXXX asking to not be called again and reiterated that I am not in contact with a XXXX XXXX. I blocked number. 

They also Called me XXXX from XXXX. I left another voicemail for XXXX stating that I am being harassed. I am not affiliated with XXXX XXXX. I will contact attorney and file complaint with Consumer financial protection bureau. They have violated the FDCPA by continuing to call me after I have asked them not to.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: NJ

Complaint narrative:
I am filing this complaint against Equifax for continuing to report an inaccurate and unverified account on my credit report, in violation of the Fair Credit Reporting Act ( FCRA ). The account in question is listed as XXXX, account number XXXX. I submitted a formal dispute to Equifax requesting that they provide all documents used to verify the accuracy of this account, as required under 15 U.S.C. 1681g and 1681i. Specifically, I asked for original source documentation, including a signed credit application and any evidence that the account is legitimately associated with me. To date, the credit reporting agency has failed to provide any such verification and has continued to report this account without fulfilling its legal obligation to conduct a reasonable investigation. Simply accepting and repeating information from the furnisher does not meet the requirements of the FCRA. If the agency is unable to provide verifiable documentation linking this account to me, it is required by law to delete the account from my credit file under Section 611 ( a ) ( 5 ) ( A ) ( i ). Moreover, I would like to point out that the other major credit bureaus have already investigated this account and have removed it from my credit file, indicating that it is not a legitimate or verifiable account in my name. Equifaxs failure to follow suit and delete the account demonstrates a continued violation of my rights under the FCRA.Their failure to verify or remove this disputed information is a violation of my rights and is causing ongoing harm to my credit reputation. I am requesting the CFPBs assistance in resolving this matter by ensuring the account is either fully verified with proper documentation or permanently removed from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
Under 15 USC 1681 ( a ) ( 2 ) ( A ) ( i ), my consumer report shouldn't include info solely about transactions/experiences between us. Late payments negatively impact my report and are part of that.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: TX

Complaint narrative:
I am writing to formally dispute several negative accounts on my credit report, as I believe these accounts are the result of identity theft. I have recently discovered unauthorized transactions and accounts opened in my name that I did not initiate. This fraudulent activity has caused significant harm to my credit history and financial well-being. 

I appreciate your prompt attention to this matter. Please confirm receipt of this dispute and provide me with a timeline for the resolution process. You can contact me at the provided phone number or email address if you require any additional information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: OR

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: PA

Complaint narrative:
XXXX XX/XX/year>2025 XXXX XXXX XXXX XXXXXX/XX/year>2025 XXXX XXXX XXXX/XXXX/2025

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 2025-04-03 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: TX

Complaint narrative:
XXXX XXXX XXXXXXXX XXXX XXXX.2023 EXPERIAN BUREU XXXX XXXXXXXX XXXX2023 EXPERIAN BUREU XXXX XXXX XXXX.2023 EXPERIAN BUREU

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 2025-04-03 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2025-04-03 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: GA

Complaint narrative:
Hello, I am requesting an investigation into these accounts due to a potential misunderstanding regarding their accuracy on my credit report. These accounts were removed previously but have been re-added without my awareness. I did not receive any notification of their reinstatement, nor have I received any related correspondence by mail.

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 2025-04-03 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Contemporary Information Corp
State: FL

Complaint narrative:
There is inaccurate information reporting to XXXX. There are two addressed on my consumer report that needs to be removed. 

See attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
I have recently gotten a copy of my credit reports from the Credit agencies such as XXXX, XXXX, and XXXX. I noticed many discrepancies, errors, and inaccuracies Furthermore, according to the law any inaccuracies needs to be addressed, investigated, and deleted immediately. I Did not give XXXX permission to place many inaccuracies onto my credit report Did I give you'll Consent? I the consumer wasn't notified 15 days by the financial institutions of placing anything onto my credit report. the FCRA law code states " The Fair Credit Reporting Act ( FCRA ), specifically 15 U.S. Code 1681s-2, requires financial institutions to notify consumers about any negative information they furnish to a consumer reporting agency, no later than 30 days after furnishing the information, not 15 days before. '' SYNCHRONY BANK " XXXX XXXX XXXX  '' has violated myself as the consumer also the FCRA. also according to the FCRA 18 USC 894 ( a ) Whoever knowingly participates in any way, or conspires to do so, in the use of any extortionate means ( 1 ) to collect or attempt to collect any extension of credit, or ( 2 ) to punish any person for the nonrepayment thereof, shall be fined under this title or imprisoned not more than 20 years, or both.

However I request Validation of debt, Contract with my signature, also the facts stating you have the right to collect this alleged debt, May I also add I need documents stating the statue of limitation to collect on this alleged debt I the consumer XXXX XXXX XXXX is allegedly responsible for. this US Code 18 USC 894 simply explains a crime being committed a group of individuals teaming up violating consumers and the law The Credit Agencies, The financial institutions, and the collection agencies are in violation this XXXX Code states the facts The financial institution were suppose to protect me, and my financial information which they didn't, the credit agencies needed consent to report which I did not give, and the collections are involved as punishment. willingly they are doing it together which is committing a crime by law which is " Conspiring consumers if anyone does this for the nonpayment of can be fined once again. '' Your Best, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: NY

Complaint narrative:
I request the immediate removal of unauthorized accounts from my credit report. I did not open or approve these accounts and have no knowledge of their origins. In compliance with USC 1681g, I formally ask for their removal within 15 days. Enclosed are supporting documents for your review. Additionally, inconsistent account details are being reported across different bureaus.

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 2025-04-03 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Ratchford Law Group, P.C.
State: PA

Complaint narrative:
I contacted Ratchford Law firm to fix the balance in my credit reporting file because its showing I owe $ XXXX which is incorrect because the District Justice office I went to lowered the payment from {$6000.00} to $ XXXX but the amount was under {$4000.00} right now the balance is around {$2800.00}. My friend which was on the account with me says her credit reporting file shows accurate amounts and mines shows a balance thats wrong and its showing a last payment received XX/XX/year>2025 and money was just paid in XX/XX/year>2025. I am on XXXX and doing my best to pay for a car I got sued on when I took the car to be fixed yet nobody would fix it. So once I got sued the car company then fixed the car after the matter and sold it. I now pay $ XXXX a month which I was hassled that it would take too long to pay off. XXXX payments are all I have living with XXXX is tough on top of other issues. I just want this fixed on my credit report showing whats accurate so I can put this behind me.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: MD

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 response to consumer: Closed with explanation
Consumer complaint received 2025-04-03 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: CO

Complaint narrative:
Finding unauthorized accounts, credit inquiries, and false personal information made or reported without my knowledge or agreement completely stunned and grieved me. I've tried to get clarification from the creditors, but they have blatantly refused to give it to me. I demand that the creditors act immediately and be transparent. The creditors must submit pertinent application materials, show proof of express authority for each query, and give comprehensive details about each account and inquiry, including dates, purposes, and the kinds of credit products involved. To see what I'm complaining about, please refer to the attached file!

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 2025-04-03 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall 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 explanation
Consumer complaint received 2025-04-03 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Resurgent Capital Services L.P.
State: MA

Complaint narrative:
LVNV funding - requesting the debt validity.. Would not provide information. Now calling daily multiple times a day along with employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-04-03 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: DISCOVER BANK
State: IL

Complaint narrative:
Dispute of Late Payment Reporting** **Subject : Dispute of Information on Consumer Report** Dear Sir/Madam, I am writing to formally dispute the late payments being reported on my consumer credit report. Upon reviewing my file, I have identified that late payment information is being inaccurately reported, and I am requesting its immediate removal. Under the provisions of 15 U.S.C. 1681 ( a ) ( 2 ), I understand that certain information regarding transactions or experiences between myself and creditors, particularly where the reported information is incomplete, outdated, or inaccurate, must be excluded from my consumer report. Specifically, the report reflects a single month of late payment, yet fails to acknowledge the months of consistent, on-time payments that followed. This isolated late payment should not overshadow my history of responsible credit management, and I am requesting the deletion of this late payment entry from my report. I have diligently worked to maintain good standing with my creditors, and the reported late payment does not reflect my overall payment behavior. I request that all information related to this late payment be removed and that my credit report be updated to accurately reflect my history of timely payments. Please investigate this matter and remove the late payment entry in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). I appreciate your prompt attention to this matter and would like written confirmation of the removal once completed.

Company response to consumer: Closed with explanation