vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-05-01 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: AL

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2025-05-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
RE : Your Account Number ( if known ) ] Dear XXXX XXXX XXXX : I am a victim of identity theft. The information which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft that should be blocked, XXXX  XXXX  acct # XXXX, XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX  account # XXXX Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act, and send the required notifications to all furnishers of this information.

Enclosed are the following : A copy of my credit report I received from your company. The fraudulent items are circled.

A copy of my Identity Theft Report and proof of my identity. A copy of section 605B of the Fair Credit Reporting Act, which requires you to block the fraudulent information on my credit report resulting from identi
ty theft within four business days and to promptly notify the furnisher ( s ) of that information. 
I appreciate your prompt attention to this matter, and await your reply. 

Sincerely, [ XXXX XXXX ] Identity Theft Report Proof of identity : [ a copy of my drivers license/other government-issued identification card/other ] Copy of Credit Report Fair Credit Reporting Act Section 605B

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 2025-05-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Rosenberg & Associates Recovery Services
State: WA

Complaint narrative:
Rosenberg and Associates Recovery Services will not stop calling me regarding a debt they purchased that was discharged in bankruptcy in 2012. They use threatening language and tone to try and break my confidence in my records, even though I have every ounce of proof that this debt was discharged in 2012. They try and make me feel stupid saying things like " don't you know that's public record '' even though they don't know how to look up anything on public record because if they did, they wouldn't be calling me by an old name and using my address on file from 15 years ago. This is just one of many companies they claim to be. Or the companies keep " reselling '' the debt and the new company starts over. I have stated time and time again that it's not a valid debt, but they persist, and get even more aggressive in their communication. I block every number that comes through, but they never call from the same number. The most recent phone number they called from was XXXX which is a XXXX XXXX XXXX, however when I asked for their address to send them a letter, they gave me XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX and they specifically left out the XXXX XXXX so that my mail would be returned, as their address is actually XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Georgia XXXX. They have not sent any letters to me via certified mail or otherwise, and threaten that the sheriff is coming to my house to arrest me and that I am involved in a legal filing against me and must pay or they will send their confirmation to the sheriffs office.

Company response to consumer: Untimely response
Consumer complaint received 2025-05-01 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: PA

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX  AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these fraudulent accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2025-05-02 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:
I am submitting this complaint regarding XXXX XXXX XXXX XXXX  as reported on my Experian credit file Report Number XXXX. The account is listed as charged off with a balance and past due amount of {$1200.00}, with monthly charge-off reporting continuing through XX/XX/XXXX. No consumer activity has occurred since my last payment in XX/XX/XXXX. The creditor has designated this as a Profit and Loss Write-Off, yet has not issued IRS Form XXXX as required by IRS XXXX XXXX for charged-off debts exceeding {$600.00}. The continued reporting of delinquency and balance after a charge-off, without certified reinsertion documentation or cancellation disclosure, is misleading and unverifiable, violating FCRA XXXX ( b ) for accuracy and XXXX ( a ) ( XXXX ) for failure to properly reinvestigate disputed tradelines. This reporting is causing financial harm and is inconsistent with lawful credit reporting and tax obligations.

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 2025-05-01 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: MS

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 XXXX  TransUnion credit report on XXXXXX/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 ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In generallf, after any reinvestigation under paragraph ( 1 ) 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 2025-05-01 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, XXXX XXXX XXXX, am filing this complaint because I have been a documented victim of identity theft going back to XXXX, which I was unaware of at the time. In XXXX, after my wallet, drivers license, and social security card were stolen ( police report filed XX/XX/XXXX ), the situation intensified, and fraudulent accounts began appearing on my credit reports. 

Additionally, my personal information was further exposed in multiple major data breaches, including the XXXX & XXXX XXXX breach ( XXXX, disclosed XXXX ), the Equifax data breach, and the XXXXXXXX XXXX XXXX XXXX XXXX breach ( XX/XX/XXXX ). These breaches greatly increased my vulnerability to identity fraud. 

Despite providing the credit bureaus with an FTC Identity Theft Report and the police report, the credit reporting agencies have failed to fully remove these fraudulent accounts. Under Section 611 of the Fair Credit Reporting Act ( 15 U.S.C. 1681i ), I formally request the CFPB ensure the bureaus provide the method of verification they relied on to validate these debts. I assert that no physical or signed contract exists linking me to these accounts. 

I am suffering ongoing financial hardship as a direct result of these fraudulent records remaining on my reports, which affect my credit standing, access to housing, and financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I recently tried to purchase an item from XXXX. I just paid off a purchase a couple months before and had several purchases in the last few years with their sister company XXXX. 
My credit card was declined and I inquired as to why. I was told that I supposedly had made a purchase back in XXXX of XXXX  and never finished paying for the item. I honestly don't remember this. However, as I mentioned, I have made several purchases over the years from the sister companies with no problems at all. They are asking for {$140.00} from me, which I denied payment. How can they suddenly try to collect now?? 
I live in XXXX  and I was told the statue of limitations is XXXX  years. Can they legally attempt to after XXXX  years???

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 2025-05-01 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: FL

Complaint narrative:
I HAVE BEEN AFFECTED OF XXXX AND EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES EXCEPT AS OTHERWISE PROVIDED IN THIS SECTION A CONSUMER REPORTING AGENCY SHALL BLOCK THE REPORTING OF ANY INFORMATION IN THE FILE OF A CONSUMER THAT THE CONSUMER IDENTIFIES AS INFORMATION THAT RESULTED FROM AN ALLEGED IDENTITY THEFT AND XXXX 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: LEXISNEXIS
State: LA

Complaint narrative:
I am filing this complaint because LexisNexis Risk Solutions is furnishing inaccurate and/or unverified public record information ( a bankruptcy ) on my consumer report. On XX/XX/year> and again on XX/XX/year>, I sent formal written disputes and an affidavit to LexisNexis via certified mail at the address listed on their official website XXXX XXXX XXXX XXXX.lexisnexis.comXXXX ). 

Both dispute letters were returned to me as undeliverable by the United States Postal Service. This raises serious concerns about whether consumers can exercise their rights to dispute under the Fair Credit Reporting Act ( FCRA ), particularly under 1681i and 1681e ( b ), when the address provided is either not monitored or intentionally inaccessible.

The information LexisNexis is reporting ( a bankruptcy record ) is damaging to my consumer profile, and I have not been given the opportunity to challenge or validate it as required by law. I also believe the bankruptcy information may have been obtained through an unverified third-party aggregator and not directly from the court of record, which may violate reporting accuracy standards and Metro 2 guidelines.

As a XXXX XXXXXXXX I am further concerned that my consumer rights under the FCRA and the Servicemembers Civil Relief Act ( SCRA ) are not being respected.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX - XXXXXXXX XXXX XXXX XXXX List of Unauthorized Inquiries : XXXX XXXX  XXXX XXXX 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 non-monetary relief
Consumer complaint received 2025-05-01 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:
Complaint Against : Equifax, Experian, TransUnion Summary of Complaint : I am submitting this complaint regarding the failure of the above credit reporting agencies to conduct a reasonable reinvestigation of disputed information on my credit report, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Specifically, I disputed the following accounts : - XXXX Charged-off Account - XXXX XXXX XXXX Collection Account Despite my formal disputes, the credit bureaus responded that the accounts were verified without providing any documentation, account-level evidence, or meaningful investigation. It appears the bureaus merely relied on the furnishers confirmation ( parroting ) without obtaining supporting records or examining the underlying validity, which is a violation of FCRA 1681i ( a ).

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-01 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Complaint Against : Equifax, Experian, TransUnion Summary of Complaint : I am submitting this complaint regarding the failure of the above credit reporting agencies to conduct a reasonable reinvestigation of disputed information on my credit report, as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i. 

Specifically, I disputed the following accounts : - XXXX Charged-off Account - XXXX XXXX XXXX Collection Account Despite my formal disputes, the credit bureaus responded that the accounts were verified without providing any documentation, account-level evidence, or meaningful investigation. It appears the bureaus merely relied on the furnishers confirmation ( parroting ) without obtaining supporting records or examining the underlying validity, which is a violation of FCRA 1681i ( a ).

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 2025-05-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning to me

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 2025-05-01 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: PA

Complaint narrative:
I am requesting the immediate blocking and removal of unauthorized accounts from my credit report. I did not authorize or initiate these accounts and am unfamiliar with their origin. As stated under USC 1681g, I ask for their removal within the next 15 days. Enclosed are relevant documents for your review. There are also discrepancies, with different account details reported to each bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-02 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:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifiable, invalidated, inaccurate, and questionable items that your agency didn't make sure it was reporting 100 % correct. 

In accordance with the Fair Credit Reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I am disputing the collection account reported by XXXX XXXX XXXX on my Experian credit report - Report Number XXXX, alleging a balance of {$1000.00} for a debt originally from XXXX XXXX XXXX XXXX XXXX However, XXXX XXXX XXXX XXXX  is not reporting any open tradeline, current balance, or collection-related activity on my Experian credit file. XXXX XXXX XXXX has not produced a legal assignment from the original creditor or an original contract signed by me with identifying information. Additionally, no IRS Form 1099-C has been issued, despite the debt being classified as a Profit and Loss Write-Off. This account continues to be reported and updated monthly by Experian, despite having no legal foundation or evidence of ownership, which violates FCRA 1681e ( b ), 1681i ( a ) ( 1 ) ( A ), and FDCPA 809 ( b ). XXXX XXXX XXXX is posing as a legal creditor for a debt that has already been closed and removed by the original lender. I request immediate and permanent deletion of this tradeline from my Experian credit report.

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 2025-05-01 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: DC

Complaint narrative:
To do what is fair to me as a consumer, delete and update my credit report as they are reporting inaccurate information that I have made them aware of but still keep reporting! This has caused me multiple denials and mental anguish that I can't even stand. I will not tolerate this anymore and will seek litigation if this is not handled!

Company response to consumer: Closed with non-monetary relief