vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-03 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: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I have formally reported an error regarding incorrect information sent by the credit bureau through my email. I am disputing a mistake on my credit card statement and requested an investigation, but the company has failed to act. I expect immediate attention to resolve this matter. Furthermore, I request a confirmation receipt to ensure I am kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: FL

Complaint narrative:
In XX/XX/XXXX, I discovered multiple fraudulent accounts on my credit report that I did not authorize. These accounts were not opened by me and appear to be the result of identity theft. 

The fraudulent accounts include : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Card Credit Card Opened on XX/XX/XXXX These accounts were added without my consent, and I had no involvement in authorizing or initiating 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 non-monetary relief
Consumer complaint received 2025-05-04 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: IL

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Email : XXXX XXXX : XX/XX/XXXX SSN : XXXX Date : XX/XX/XXXX. 

XXXX XXXX XXXX XXXX XXXX XXXX  RE : FINAL DEMAND REMOVE UNVERIFIED COLLECTIONS & CHARGE-OFFS IMMEDIATELY | LEGAL NOTICE UNDER FCRA, UCC, AND FEDERAL XXXX To Whom It May Concern, This is a final and legal demand that you remove the following accounts from my Equifax credit report. These items are being reported without verification and in violation of consumer protection laws. 

DISPUTED 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  Charge-off {$2800.00} VIOLATIONS OF FEDERAL LAW : FCRA XXXX No permissible purpose documented FCRA XXXX XXXX not properly completed FCRA XXXX ( b ) Failure to ensure accuracy FCRA XXXX ( a ) ( XXXX ) No contract or proof of debt provided UCC XXXX Request for presentment of original, XXXX obligation UCC XXXX All consumer rights reserved Reporting unverifiable items without XXXX receipt of proper documentation is a federal violation. 

LEGAL DEADLINE 15 DAYS : You are required to : DELETE all listed accounts PROVIDE written verification with original signed documents RESPOND in writing with confirmation or proof Failure to comply will result in : Formal complaints filed with the CFPB, FTC, and state regulators A legal claim filed for violations of FCRA XXXX XXXX, seeking full damages This is your final opportunity to act in compliance with federal law. 

Sincerely, XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: TX

Complaint narrative:
I am submitting this complaint against EQUIFAX regarding the inaccurate information reported on my credit report, which violates the Fair Credit Reporting Act ( FCRA ).

OnXX/XX/XXXX, I discovered discrepancies in the following account ( s ) : Account Name : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX  Disputed Information : XXXX XXXX XXXX do not display any information about this account Under Section XXXX of the FCRA, I have the right to dispute inaccuracies and request prompt investigation. I formally requested a reinvestigation of the account information and cited relevant sections of the FCRA, including : Section XXXX ( a ) ( 1 ) ( A ) : Requirement for verification of accounts through original documentation. 
Section XXXX : Right to dispute inaccuracies and request investigation. 
Section XXXX ( a ) ( 5 ) : Removal of unverifiable information dont validated for creditor Original. 
XXXX U.S. CXXXX XXXX ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy Despite my request, EQUIFAX has failed to conduct a thorough investigation or resolve these discrepancies within the required timeframe of 30 days. This negligence has led to the continued reporting of false information, which has negatively impacted my creditworthiness. 
In my request, I emphasized that any unverifiable information should be removed from my credit report INMEDEDIATLY within the mandated 30-day period, as established in XXXX U.S. CXXXX XXXXi. Additionally, I referenced XXXX U.S. CXXXX XXXX ( b ), which requires that the procedures for including information in credit reports ensure maximum possible accuracy. Furthermore, under XXXX U.S. CXXXX XXXX, furnishers of information are required to investigate and correct inaccurate information upon notice of a dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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: GA

Complaint narrative:
ALL REPORTED DATA MUST BE COMPLETE, CORRECT, AND PROVEN IF CHALLENGED. I DO NOT GRANT YOUR AUTHORITY TO REPORT VERSUS ME WITHOUT ADEQUATE COMPLIANCE OF STATE AND FEDERAL LAWS BEING APPLICABLE THROUGHOUT. AS SUCH I DEMAND DELETION IMMEDIATELY OF YOUR DECLARED CLAIMS AGAINST ME. PER COMMON LAW, YOU ARE DEMANDED TO DEMONSTRATE THAT YOU CAN AND HAVE WILLINGNESS TO ABSOLUTELY VERIFY AND VALIDATE ( OR JUST SAY " CERTIFICATE '' ) EVERY AND ONE EVEN EACH ANY AND OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR ALL ALLEGATIONS YET PHYSICALLY DEFICIENT OR UNPROVEN MINE, CHALLENGED OR NOT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 
Convergent Account # XXXX * * * * has violated my rights. 

I am writing to formally dispute a fraudulent account that appears on my Equifax, Experian, and Transunion credit report. I recently obtained a copy of my credit report and discovered information that does not belong to me. This account was not opened or authorized by me, and I believe I have been a victim of identity theft.

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 antedate 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 non-monetary relief
Consumer complaint received 2025-05-03 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

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. 
Convergent Account # XXXX * * * * has violated my rights. 

I am writing to formally dispute a fraudulent account that appears on my Equifax, Experian, and Transunion credit report. I recently obtained a copy of my credit report and discovered information that does not belong to me. This account was not opened or authorized by me, and I believe I have been a victim of identity theft.

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 antedate 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 2025-05-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: NY

Complaint narrative:
Dear CFPB, I am writing to file a formal complaint against National Recovery Agency and XXXX XXXX XXXX. Both entities have reported accounts on my credit report without my authorization, which has negatively affected my credit score. 



These actions violate my rights under the Fair Credit Reporting Act ( FCRA ). Specifically : 15 U.S. CXXXXe XXXX : Debt collectors must ensure the accuracy of the information they report. National Recovery Agency and XXXX XXXX XXXX have failed to comply with this requirement by reporting accounts without my authorization. 

15 U.S. CXXXXe XXXXb : A consumer reporting agency may not furnish a consumer report if it has reasonable grounds to believe that the information is inaccurate. The unauthorized reporting by these agencies clearly violates this provision. 

15 U.S. CXXXXe XXXXi : Consumers have the right to dispute inaccurate information on their credit reports. Despite my disputes, these agencies have failed to remove the unauthorized accounts. 



I request that the CFPB investigate this matter and take appropriate action to ensure compliance with the FCRA. 



Thank you for your attention to this matter. 



Sincerely, 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 2025-05-03 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: GA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal and urgent demand to investigate and delete multiple negative, derogatory, and damaging entries currently reported by your bureau on my credit profile. These accounts have been burdening my report for far too long despite repeated efforts to correct them. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to compel immediate action. 

The following accounts must be immediately removed due to being inaccurate, unverifiable, outdated, or misleading : XXXX XXXX Closed and paid ; still marked derogatory and charged off. This is inaccurate and misleading. 
XXXX XXXX XXXX XXXX XXXX Reported as a collection account. No proof of validation or proper notice was ever provided. 
XXXX XXXXXXXX ( XXXX XXXX XXXX ) Multiple entries and outdated medical debt without proper verification. 
XXXX XXXX Disputed ; reflects as charge-off, but no valid documentation has ever been provided. 
XXXX XXXX Conflicting reporting. Inconsistent across bureaus and in violation of 1681i ( a ) for data accuracy. 
XXXX / XXXX XXXX Reported with misleading status ; still open but unresolved and lacks any validation. 

I have made repeated attempts over time to correct these records. My patience is exhausted. You are now formally notified that : You must complete a reinvestigation within XXXX days as mandated under 15 U.S.C. 1681i. 
Any item you can not fully verify with original documentation must be deleted immediately. 
If retained, you are required to mark each disputed entry with this statement : Consumer disputes this account. No verifiable documentation provided by data furnisher. 

If you continue to report unverifiable or misleading information, I will escalate this matter with the CFPB, FTC, and, if necessary, pursue legal action for damages under 15 U.S.C. 1681n and 1681o.

I demand written confirmation of the outcome of your investigation and copies of all documents used to verify the accounts. 

Sincerely, XXXX XXXX XXXX : [ MM/DD/YYYY ] SSN : * -- [ XXXX ] Phone : XXXX Email : 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 2025-05-03 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: GA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal and urgent demand to investigate and delete multiple negative, derogatory, and damaging entries currently reported by your bureau on my credit profile. These accounts have been burdening my report for far too long despite repeated efforts to correct them. I am invoking my rights under the Fair Credit Reporting Act ( FCRA ) and Fair Debt Collection Practices Act ( FDCPA ) to compel immediate action. 

The following accounts must be immediately removed due to being inaccurate, unverifiable, outdated, or misleading : XXXX XXXX Closed and paid ; still marked derogatory and charged off. This is inaccurate and misleading. 
XXXX XXXX XXXX XXXX XXXX Reported as a collection account. No proof of validation or proper notice was ever provided. 
XXXX XXXXXXXX ( XXXX XXXX XXXX ) Multiple entries and outdated medical debt without proper verification. 
XXXX XXXX Disputed ; reflects as charge-off, but no valid documentation has ever been provided. 
XXXX XXXX Conflicting reporting. Inconsistent across bureaus and in violation of 1681i ( a ) for data accuracy. 
XXXX / XXXX XXXX Reported with misleading status ; still open but unresolved and lacks any validation. 

I have made repeated attempts over time to correct these records. My patience is exhausted. You are now formally notified that : You must complete a reinvestigation within XXXX days as mandated under 15 U.S.C. 1681i. 
Any item you can not fully verify with original documentation must be deleted immediately. 
If retained, you are required to mark each disputed entry with this statement : Consumer disputes this account. No verifiable documentation provided by data furnisher. 

If you continue to report unverifiable or misleading information, I will escalate this matter with the CFPB, FTC, and, if necessary, pursue legal action for damages under 15 U.S.C. 1681n and 1681o.

I demand written confirmation of the outcome of your investigation and copies of all documents used to verify the accounts. 

Sincerely, XXXX XXXX XXXX : [ MM/DD/YYYY ] SSN : * -- [ XXXX ] Phone : XXXX Email : XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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: SC

Complaint narrative:
I am writing to formally request the removal of fraudulent items from my credit file. I am a victim of XXXX XXXX  and did not authorize the accounts or inquiries listed in the attached document. I have reported the theft to the Federal Trade Commission and have included a copy of the report. 
Please block and delete these items from my credit report immediately, in accordance with Section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-04 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:
In XX/XX/XXXX, I discovered multiple fraudulent accounts on my credit report that I did not authorize. These accounts were not opened by me and appear to be the result of identity theft. 

The fraudulent accounts include : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Card Credit Card Opened on XX/XX/XXXX These accounts were added without my consent, and I had no involvement in authorizing or initiating them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-04 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:
In XX/XX/XXXX, I discovered multiple fraudulent accounts on my credit report that I did not authorize. These accounts were not opened by me and appear to be the result of identity theft. 

The fraudulent accounts include : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX Card Credit Card Opened on XX/XX/XXXX These accounts were added without my consent, and I had no involvement in authorizing or initiating 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 2025-05-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Electronic communications — Frequent or repeated messages
Company: Klima, Peters & Daly, P.A.
State: DE

Complaint narrative:
They sent me an email XX/XX/year> about a debt collection they purchased from XXXX  XXXX XXXX  for {$870.00}, I sent them a letter XX/XX/XXXX requesting the aggravated value of purchase showing how much they paid for the debt, and to delete this debt because I didn't consent to them having my personal information

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently looked at my Credit Report and noticed an account that I have no knowledge of and is causing me a great deal of problems receiving credit. Please remove this inaccurate information from my Credit Report. 

XXXX XXXX XXXX ACCT # XXXX OPEN : 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 2025-05-03 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: FL

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. 
XXXX Account # XXXX * * * * has violated my rights. 

I am writing to formally dispute a fraudulent account that appears on my Equifax, and Experian credit report. I recently obtained a copy of my credit report and discovered information that does not belong to me. This account was not opened or authorized by me, and I believe I have been a victim of identity theft.

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 antedate 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 response to consumer: Closed with non-monetary relief