vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-08-07 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:
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. 



List of Unauthorized Inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2025-08-07 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: MS

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 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 2025-08-07 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:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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:
This is a follow-up complaint regarding the continued reporting of inaccurate and unauthorized information on my credit file that appears to be the result of identity theft. I am formally disputing specific items that are not associated with any transactions I have initiated or authorized. These accounts are unfamiliar to me, and I have received no goods, services, or funds from these transactions. 
Additionally, I have reason to believe the validity of these entries is questionable, as some of these same accounts have already been removed by other credit bureausfurther highlighting the inconsistency and inaccuracy of the data being reported. The reported payment histories are also unclear and do not reflect any financial activity I recognize. 
In accordance with FCRA 605B ( c ) ( 1 ) ( C ), I understand that a consumer reporting agency may only refuse to block or may reinstate information if it can be shown that the consumer obtained goods, services, or money from the disputed account. However, I affirm that I did not receive any such benefit, and therefore, this exception does not apply in my case. 
The accounts in question are as follows : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Balance : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$5200.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX * Balance : {$4100.00} XXXX Reported Late : 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 explanation
Consumer complaint received 2025-08-07 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: World Acceptance Corporation
State: SC

Complaint narrative:
I hope this letter finds you well. I am writing to request an update to my personal profile information on my credit report. I recently reviewed my credit report and noticed some inaccuracies that need correction. 
I am requesting that the following inaccurate items be immediately investigated.

This request is in pursuant to FCRA 605B ( 15 U.S, C { 1681c-2 ) that you the XXXX  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 is fraudulent, inaccurate, and false information. 
World finance XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please XXXX and remove it. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX

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 2025-08-07 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: TX

Complaint narrative:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXXXXXX 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 2025-08-07 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:
Recently | looked at a copy of my credit report and noticed several inaccuracies on my account. This account is hurting my ability to obtain credit. It is my understanding that you will investigate these items for me to ensure accuracy Here is the item I am asking you to verify as accurate XXXX account ( XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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've been going through an incredibly stressful situation after being a victim of identity theft. All of the items I've listed are the result of fraudulent activity, this has had a very negative impact emotionally speaking, as I haven't found a way to put an end to this nightmare. I am very distressed, and the situation described has had adverse consequences on my credit, work, social, and even personal life. These are the items mentioned XXXX XXXX - credit card - opened in XXXXXXXX XXXX XXXX  - credit card - opened in XXXX. UNKNOWN MEDICAL DEBT - medical debt - opened in XXXX. 
INQUIRIES : XXXX opened on XX/XX/XXXX. XXXX XXXX XXXX opened on XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  opened on XX/XX/XXXX. XXXX opened on XX/XX/XXXX. XXXX XXXX XXXX opened XXXX XX/XX/XXXX. XXXX XXXX opened on XX/XX/XXXX. XXXX XXXX opened on XX/XX/XXXX. XXXX XXXX opened on XX/XX/XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Resurgent Capital Services L.P.
State: MO

Complaint narrative:
XXXXXXXX XXXX showing account of XXXX dollars charged off but they were given a tax credit and they sold the account to another company LVNV FUNDING LLC whom i say that I owe them over XXXX dollars and I don't owe them nothing and the original one got a tax credit and I did not get the XXXX c from neither company that I requested. I paid regional finance off both accounts in full and it is not updated on all three credit bureaus and I have been trying to get all bureaus to update it and they always say that it is correct and it is not it is incorrect. and mariner finance I also paid off in full last year and regional also was paid off in full. I was paying my XXXX XXXX and XXXX account and paid a small amount and lowes closed my account and XXXX chopped my credit down and closed my accounts and I did not know it for a long time until I tried to use it because they were on my account and still is and they charged it off and still had me paying like they were active and showing me behind even though i was paying them and they harass me everyday phone text and email all day everyday driving me crazy. the same thing with XXXXXXXX XXXX  credit card.And I have not received any XXXX forms from them and they have received tax credits. IT'S WRITE OFFS AND CHARGE OFFS AND WHAT THEY ARE DOING IS ILLEGAL. PLEASE HELP ME BECAUSE THE CREDIT BUREAUS WON'T AND I HAVE BEEN TRYING TO GET THEIR HELP FOR YEARS AND EVERY MONTH LATELY BECAUSE AM TRYING TO GET A HOUSE AND CAN'T BECAUSE THEY ARE ON THEIR SIDE AND THEY ARE IN THE WRONG PLEASE SEND ME THE 1099 C FOR ALL OF THEM SO THAT I CAN THE INCOME CREDIT I THINK AM SAYING IT CORRECT

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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 writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-08-07 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: CA

Complaint narrative:
To Whom It May Concern, This letter serves as a formal and final demand to immediately and permanently remove the fraudulent XXXX account # XXXX from my credit report. This account is not mine and is the result of identity theft.

I have taken the following legal actions : Filed a Federal Trade Commission Identity Theft Report pursuant to 15 U.S. Code 1681c-2.

Notified law enforcement and provided proof of the criminal nature of the account.

Retained legal counsel prepared to take action under the Fair Credit Reporting Act and all applicable consumer protection laws.

Under the Fair Credit Reporting Act ( FCRA ), you are required to : Block fraudulent information from appearing in a consumers file within 4 business days of receipt of identity theft documentation, as required by 15 U.S. Code 1681c-2.

Properly investigate and respond to disputes under 15 U.S. Code 1681i, with accuracy obligations outlined in 1681e ( b ).

Cease reporting information once it is known to be false or disputed due to identity theft under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) & ( B ).

Disclose all information in my file and the sources under 15 U.S. Code 1681g.

Your continued reporting of this account after notice and documentation constitutes : Willful noncompliance under 15 U.S. Code 1681n, And/or negligent noncompliance under 1681o, And exposes you to statutory damages, actual damages, attorneys fees, and punitive damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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:
To Whom It May Concern, This letter serves as a formal and final demand to immediately and permanently remove the fraudulent XXXX account # XXXX from my credit report. This account is not mine and is the result of identity theft.

I have taken the following legal actions : Filed a Federal Trade Commission Identity Theft Report pursuant to 15 U.S. Code 1681c-2.

Notified law enforcement and provided proof of the criminal nature of the account.

Retained legal counsel prepared to take action under the Fair Credit Reporting Act and all applicable consumer protection laws.

Under the Fair Credit Reporting Act ( FCRA ), you are required to : Block fraudulent information from appearing in a consumers file within 4 business days of receipt of identity theft documentation, as required by 15 U.S. Code 1681c-2.

Properly investigate and respond to disputes under 15 U.S. Code 1681i, with accuracy obligations outlined in 1681e ( b ).

Cease reporting information once it is known to be false or disputed due to identity theft under 15 U.S. Code 1681s-2 ( a ) ( 1 ) ( A ) & ( B ).

Disclose all information in my file and the sources under 15 U.S. Code 1681g.

Your continued reporting of this account after notice and documentation constitutes : Willful noncompliance under 15 U.S. Code 1681n, And/or negligent noncompliance under 1681o, And exposes you to statutory damages, actual damages, attorneys fees, and punitive damages.

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 2025-08-07 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: CA

Complaint narrative:
I am filing this complaint because XXXX XXXX XXXX XXXX XXXX /Experian/Equifax/XXXX continues to report a charge-off/collection account from XXXX XXXX XXXX XXXX  ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) that is more than 7 years old and showing discrepancies.

I have disputed this item multiple times via certified mail and included documentation showing that the first delinquency occurred no later than XX/XX/XXXX. I have provided a letter from the original creditor 's Account Services department, dated XX/XX/XXXX, confirming that the account was already in default at that time. 

Under the Fair Credit Reporting Act ( FCRA ) 605 ( a ) ( 5 ), this account is obsolete and should have been deleted by XX/XX/XXXX at the latest. 

I have requested a Method of Verification and asked for the Date of First Delinquency, Date of Last Payment, and a signed contract. The bureau has failed to provide any proof or valid reason for continuing to report the account. They keep sending me only screenshots of the online statements. 

I am requesting that the CFPB require the credit bureau to : 1. Delete this obsolete account immediately 2. Provide full documentation or remove the item I am also requesting that the bureau be held accountable for failing to comply with federal law and consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I am filing this complaint because Cavalry Portfolio Services , LLC XXXX  continues to report a charge-off/collection account from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Cavalry Portfolio Services , LLC ) that is more than XXXX XXXX XXXX and showing discrepancies. 

I have disputed this item multiple times via certified mail and included documentation showing that the first delinquency occurred no later than XX/XX/XXXX. I have provided a letter from the original creditor 's Account Services department, dated XX/XX/XXXX, confirming that the account was already in default at that time. 

Under the Fair Credit Reporting Act ( FCRA ) 605 ( a ) ( 5 ), this account is obsolete and should have been deleted by XX/XX/XXXX at the latest. 

I have requested a Method of Verification and asked for the Date of First Delinquency, Date of Last Payment, and a signed contract. The bureau has failed to provide any proof or valid reason for continuing to report the account. They keep sending me only screenshots of the online statements. 

I am requesting that the CFPB require the credit bureau to : 1. Delete this obsolete account immediately 2. Provide full documentation or remove the item I am also requesting that the bureau be held accountable for failing to comply with federal law and consumer protection standards.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: AL

Complaint narrative:
Request all information pertaining to accounts in XX/XX/year>. Disputed information as incorrect and not belonging to me. They refused to send any information and they refused to removed account.

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 2025-08-07 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:
I am writing to formally request the blocking and deletion of all accounts associated with my personal information due to the recent data breach. 

XXXXXXXX XXXX XXXX XXXX XXXX XXXX  {$0.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2025-08-07 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: UT

Complaint narrative:
On XX/XX/year>, Equifax reported a hard inquiry from XXXX ( XXXX XXXX XXXX XXXX ) that I did not authorize. I immediately initiated a dispute through Equifaxs online portal, requesting documentation of the inquirys origin, authorization basis, and any records supporting its inclusion.

Equifax acknowledged receipt and assigned a dispute number. Exactly 15 hours and 21 minutes later, the dispute was marked resolved. This response arrived overnightan impossibly short timeframe for any lawful or good-faith investigation. No explanation was provided. No documentation was shared. The only response was a reattached copy of my credit filewith the inquiry still present. 
The dispute portal did not allow me to upload supporting documentation or provide a narrative. There was no opportunity to present evidence or context, and no indication that any investigation occurred. 
Equifaxs actions violate multiple provisions of the Fair Credit Reporting Act ( FCRA ), including : 611 ( a ) ( 1 ) ( A ) Failure to conduct a reasonable reinvestigation 611 ( a ) ( 6 ) ( B ) ( iii ) Failure to provide notice of results and supporting documentation 611 ( a ) ( 7 ) Failure to provide consumer with method of verification 616 ( a ) Willful noncompliance with FCRA provisions I am requesting regulatory review and enforcement action to compel removal of the inquiry, ensure proper investigative procedures are followed, and hold Equifax accountable for its noncompliance.

Company response to consumer: Closed with explanation