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

Complaint narrative:
Experian XXXX Department XXXX. XXXX XXXX XXXX, TX XXXX Dear Experian, I am writing to formally dispute the reporting of a charge-off account listed on my credit file, which continues to show a current outstanding balance. This is inaccurate and potentially misleading. 
ACCOUNT NAME : XXXXXXXX XXXX XXXXXXXX ACCOUNT NUMBER : XXXX According to the Fair Credit Reporting Act, specifically : 15 U.S.C. 1681i ( a ) ( 1 ) ( A ) credit reporting agencies must conduct a reasonable reinvestigation of disputed information, and 15 U.S.C. 1681i ( a ) ( 6 ) ( A ) upon completion of an investigation, the consumer must be provided with a description of the procedure used to determine the accuracy and completeness of the information, within 15 days.

A charged-off account represents a debt that the original creditor has written off as a loss, and once that status is applied, it should not reflect a current balance owed to the original creditor. If a balance is reported, it gives the false impression that the account is both delinquent and active, violating the standards of accurate credit reporting. 
Please investigate 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 2025-05-05 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: Consumer Portfolio Services, Inc.
State: MS

Complaint narrative:
TO WHOM IT MAY CONCERN, I RECENTLY REPORTED AN UNAUTHORIZE HARD INQUIRY ON MY REPORT FROM CONSUMER PORTFOLIO SERVICES. ONCE AGAIN, I DID NOT APPLY FOR CREDIT WITH YOU COMPANY, NOR DID I GIVE PERMISSION - WRITTEN OR VERBAL- FOR YOUR ORGANIZATION TO ACCESS MY CREDIT FILE. I CONTACTED YOUR COMPANY AND WAS INFORMED THAT A LETTER FROM THE DEALERSHIP THAT SUBMITTED MY INFORMATION IS REQUIRED TO ADDRESS THE ISSUE. HOWEVER, UNDER THE FAIR CREDIT REPORTING ACT ( FCRA ) 15 U.S.C. 1681b, THE BURDEN IS ON YOU, AS THE FURNISHER OF THE INQUIRY, TO ENSURE THAT A PERMISSIBLE PURPOSE EXISTED BEFORE ACCESSING MY CREDIT FILE. IF YOU CAN NOT PROVIDE DOCUMENTATION OF THAT AUTHORIZATION OR A VALID CREDIT APPLICATION WITH MY CONSENT DIRECTLY FROM CONSUMER PORTFOLIO SERVICES, THIS INQUIRY IS A VIOLATION OF FEDERAL LAW.

THEREFORE, I AM REQUESTING THAT YOU ( CONSUMER PORTFOLIO SERVICES ) 1 ) IMMEDIATELY REMOVE THE UNAUTHORIZED HARD INQUIRY FROM MY CREDIT FILE WITH ALL MAJOR CREDIT BUREAUS ( EXPERIAN, EQUIFAX, AND TRANSUNION ) 2 ) PROVIDE WRITTEN CONFIRMATION OF THE REMOVAL 3 ) CEASE AND DESIST FROM ANY FURTHER USE OR DISTRIBUTION OF MY PERSONAL INFORMATION.

IF THIS MATTER IS NOT RESOVE WITHIN 15 DAYS, I WILL FILE A REPORT WITH THE FEDERAL TRADE COMMISSION ( FTC ) AND MY STATE ATTORNEY GENERAL 'S OFFICE.

I EXPECT PROMP ACTION ON THIS MATTER.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 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'm submitting this complaint with certainty and deep frustration. My credit report contains numerous errors that I can no longer ignore. These inaccuracies have severely damaged my credit score, preventing me from achieving financial stability and freedom. 

Additionally, there are fraudulent inquiries on my report applications made in my name that I neither authorized nor applied for. These companies accessed my credit report without my consent, further impacting my credit standing. Despite contacting the credit bureau and being assured that these inquiries would be removed, they remain on my report, causing ongoing stress and anxiety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
] To : XXXX XXXX  XXXX. XXXX XXXX| XXXX, TX XXXX Equifax | XXXX. Box XXXX| XXXX, GA XXXX TransUnion | XXXX. XXXX XXXX | XXXX, PA XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Charge-Off Account Not Mine Account Number : XXXX Amount : XXXX XXXX  Original creditor -XXXX XXXX XXXX  XXXX XXXX  Account number XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam, I am writing to formally dispute the reporting of a charge-off account in the amount of allegedly owed to XXXXXXXX XXXX / XXXX XXXX which appears on my credit report. I am asserting that this account is not mine and was opened and charged off without my authorization or involvement. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am demanding an immediate investigation and removal of this account from my credit file with your agency. You are hereby notified that under : 15 U.S. Code 1692a ( 2 ) and ( 3 ) defining debt and consumer 15 U.S. Code 1692a ( 4 ) and ( 5 ) detailing obligations of debt collectors and furnishing parties you are required to ensure that only accurate and verifiable information is reported on consumer credit files.

Additionally, under FCRA guidelines, you have 30 days to complete your investigation and provide a written response. If this account is not removed within 30 days, I will proceed with arbitration or legal remedies to enforce my rights under : 15 U.S. Code 1692a ( 2 ), ( 3 ), ( 4 ), and ( 5 ) I demand that this account be removed from my credit report immediately and that Comenity Bank cease reporting inaccurate information to any of the credit reporting agencies.

Please consider this my formal dispute and request for deletion. I also request a copy of any documentation you may have that proves this account belongs to me. If you can not verify it, you must delete it.

Enclosed are copies of my government-issued ID and proof of address to assist with your investigation. 

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 non-monetary relief
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: SC

Complaint narrative:
] To : XXXX XXXX XXXXXXXX. XXXX XXXX| XXXX, TX XXXX Equifax | XXXX. Box XXXX| XXXX, GA XXXX XXXX XXXX XXXX  XXXX XXXX | XXXX, PA XXXX XXXX XXXX Subject : Formal Dispute of Inaccurate Charge-Off Account Not Mine Account Number : XXXX Amount : XXXX XXXX Original creditor XXXX XXXX XXXX XXXX  ACCOUNT Account number XXXX XXXX XXXX XXXX XXXX Dear Sir or Madam, I am writing to formally dispute the reporting of a charge-off account in the amount of allegedly owed to XXXXXXXX XXXX  / XXXX XXXX which appears on my credit report. I am asserting that this account is not mine and was opened and charged off without my authorization or involvement. 

Pursuant to my rights under the Fair Credit Reporting Act ( FCRA ) and the Fair Debt Collection Practices Act ( FDCPA ), I am demanding an immediate investigation and removal of this account from my credit file with your agency. You are hereby notified that under : 15 U.S. Code 1692a ( 2 ) and ( 3 ) defining debt and consumer 15 U.S. Code 1692a ( 4 ) and ( 5 ) detailing obligations of debt collectors and furnishing parties you are required to ensure that only accurate and verifiable information is reported on consumer credit files.

Additionally, under FCRA guidelines, you have 30 days to complete your investigation and provide a written response. If this account is not removed within 30 days, I will proceed with arbitration or legal remedies to enforce my rights under : 15 U.S. Code 1692a ( 2 ), ( 3 ), ( 4 ), and ( 5 ) I demand that this account be removed from my credit report immediately and that XXXXXXXX XXXX cease reporting inaccurate information to any of the credit reporting agencies. 

Please consider this my formal dispute and request for deletion. I also request a copy of any documentation you may have that proves this account belongs to me. If you can not verify it, you must delete it. 

Enclosed are copies of my government-issued ID and proof of address to assist with your investigation. 

Sincerely, XXXX XXXX

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

Complaint narrative:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by Experian. Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Reportthis company has failed to conduct a lawful reinvestigation or correct/remove the disputed item in violation of federal law. Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days.

- FCRA 1681s-2 ( a ) continued reporting of information known or reasonably known to be inaccurate.

- Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations. 

This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. 
- CFPB Complaint # XXXX resulted in successful removal of unverifiable account data following a formal dispute. 

Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities. 
- Emotional distress and unnecessary time and effort to correct this issue. 
- Denials or unfavorable terms for financial products due to incorrect reporting. 

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 2025-05-05 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: HI

Complaint narrative:
I am filing this complaint due to the continued and unlawful reporting of inaccurate, incomplete, and unverifiable information on my consumer credit report by XXXX. Despite multiple prior disputes and the submission of verified documentationincluding an FTC Identity Theft Reportthis company has failed to conduct a lawful reinvestigation or correct/remove the disputed item in violation of federal law. Violations Involved : - FCRA 1681i failure to properly investigate disputed information within 30 days.

- FCRA 1681s-2 ( a ) continued reporting of information known or reasonably known to be inaccurate.

- Regulation V ( 12 CFR 1022.43 ) failure by furnisher to comply with direct dispute obligations. 

This behavior is nearly identical to the misconduct referenced in prior CFPB complaints such as : - CFPB Complaint # XXXX resulted in non-monetary relief and correction of identity theft-related errors. 
- CFPB Complaint # XXXX resulted in successful removal of unverifiable account data following a formal dispute. 

Consumer Harm and Requested Relief : As a direct result of this companys ongoing violations, I have suffered : - Inaccurate credit reporting affecting creditworthiness and financial opportunities. 
- Emotional distress and unnecessary time and effort to correct this issue. 
- Denials or unfavorable terms for financial products due to incorrect reporting. 

XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX

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

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, DE XXXX ( XXXX ) XXXX XXXX XX/XX/XXXX Re : Identity Theft Dispute Request for Removal of Fraudulent Accounts Under 15 U.S.C. 1681c-2 Dear Consumer Reporting Agency, I am writing to formally dispute the presence of multiple fraudulent accounts listed on my credit report. I am a confirmed victim of identity theft, and as a result, several accounts were opened in my name without my knowledge or authorization. 

In accordance with the Fair Credit Reporting Act ( FCRA ), specifically 15 U.S.C. 1681c-2, I am requesting the immediate and permanent removal of all information related to the fraudulent accounts listed below. The FCRA requires that such information be blocked within four ( 4 ) business days after receiving proper documentation. 

The accounts I am disputing are as follows : 1. XXXX XXXX XXXX XXXX XXXX 2. XXXX XXXX XXXX XXXX 3. XXXX XXXX 4. XXXX XXXX XXXX XXXX XXXX. XXXX XXXX XXXX 6. XXXX XXXX XXXX XXXX 7. XXXX XXXX XXXX XXXX 8. XXXX XXXX XXXX These accounts were not authorized by me and are the result of identity theft. I have enclosed all necessary documentation to support my claim and verify my identity. 

Enclosed Documents : 1. A copy of my government-issued photo identification 2. A copy of the Identity Theft Report filed with the FTC ( identitytheft.gov ) 3. Documentation related to the XXXX Equifax data breach 4. A list of other fraudulent inquiries, if applicable Requested Actions : 1. Permanently block and remove the above-referenced fraudulent accounts from my credit report. 
2. Confirm in writing that the accounts have been removed and will not be reinserted unless verified as accurate.

3. Cease reporting these accounts to any other credit reporting agencies.

If you fail to comply with this request, I am prepared to file formal complaints with the Consumer Financial Protection Bureau ( CFPB ), the Federal Trade Commission ( FTC ), and seek all remedies available to me under federal law. 

Please send all future communications to the contact information listed above. 

Thank you for your prompt attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-05-05 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:
The companies listed XXXX XXXX XXXX XXXX XXXX, MO XXXX AidVantage XXXX XXXX XXXX XXXX XXXX, VA XXXX Sloan/Nelnet XXXX XXXX XXXX XXXX XXXX XXXX ( their addresses change frequently once you report them ) Educational Computer System XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX keep in mind they may all be related to one another, but have different addresses ) are among predatory companies who are manufacturing student loan data that they collect from public records of bankruptcies, breached data from credit bureaus or other companies. They send letters with false content and demand for money to gain money not owed to them for financial gain. Many of the letters impersonate the Dept of Education and they look official. Some contend debt was assigned to them, and the debt never existed or is wiped out ( depending on the company ). 

Providing any type of letters of materials or proof allows them to replicate this information and pretend the data is legitimately from their office. Please investigate each of these companies. I have XXXX recordings from three of the companies, proving their fraudulent activities. They prey on people and continue to change names and addresses once you contact them. Some of them are pretty savvy and have full-operations around the country with unscrupulous employees helping to create this scam. They've made millions of dollars and continue to take advantage of any opportunity to defraud consumers, the govt, the IRS, and many other entities. They are conducting fraudulent business and practices, while getting rich. 
This must stop.... please, please, please investigate each of them. 

CC ; FTC, Attorney General Office, FBI, Dept of Education, IRS, local police dept ( where applicable )

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

Complaint narrative:
The companies listed XXXX XXXX XXXX XXXX XXXX, MO XXXX AidVantage XXXX XXXX XXXX XXXX XXXX, VA XXXX Sloan/Nelnet XXXX XXXX XXXX XXXX XXXX XXXX ( their addresses change frequently once you report them ) Educational Computer System XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX keep in mind they XXXX all be related to XXXX another, but have different addresses ) are among predatory companies who are manufacturing student loan data that they collect from public records of bankruptcies, breached data from credit bureaus or other companies. They send letters with false content and demand for money to gain money not owed to them for financial gain. Many of the letters impersonate the Dept of Education and they look official. Some contend debt was assigned to them, and the debt never existed or is wiped out ( depending on the company ). 

Providing any type of letters of materials or proof allows them to replicate this information and pretend the data is legitimately from their office. Please investigate each of these companies. I have XXXX recordings from XXXX of the companies, proving their fraudulent activities. They prey on people and continue to change names and addresses once you contact them. Some of them are pretty savvy and have full-operations around the country with unscrupulous employees helping to create this scam. They've made millions of dollars and continue to take advantage of any opportunity to defraud consumers, the govt, the IRS, and many other entities. They are conducting fraudulent business and practices, while getting rich. 
This must stop.... please, please, please investigate each of them. 

CC ; FTC, Attorney General XXXX, FBI, XXXX XXXX XXXX, IRS, local police dept ( where applicable )

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 2025-05-05 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: TX

Complaint narrative:
The companies listed XXXX XXXX XXXX XXXX XXXX, MO XXXX AidVantage XXXX XXXX XXXX XXXX XXXX, VA XXXX Sloan/Nelnet XXXX XXXX XXXX XXXX XXXX XXXX ( their addresses change frequently once you report them ) Educational Computer System XXXX XXXX XXXX XXXX XXXX XXXX PA XXXX XXXX keep in mind they may all be related to one another, but have different addresses ) are among predatory companies who are manufacturing student loan data that they collect from public records of bankruptcies, breached data from credit bureaus or other companies. They send letters with false content and demand for money to gain money not owed to them for financial gain. Many of the letters impersonate the Dept of Education and they look official. Some contend debt was assigned to them, and the debt never existed or is wiped out ( depending on the company ). 

Providing any type of letters of materials or proof allows them to replicate this information and pretend the data is legitimately from their office. Please investigate each of these companies. I have XXXX recordings from XXXX of the companies, proving their fraudulent activities. They prey on people and continue to change names and addresses once you contact them. Some of them are pretty savvy and have full-operations around the country with unscrupulous employees helping to create this scam. They've made millions of dollars and continue to take advantage of any opportunity to defraud consumers, the govt, the IRS, and many other entities. They are conducting fraudulent business and practices, while getting rich. 
This must stop.... please, please, please investigate each of them. 

CC ; FTC, Attorney General Office, FBI, Dept of Education, IRS, local police dept ( where applicable )

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 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I am writing to request a security freeze on my credit report in accordance with my rights under the Fair Credit Reporting Act ( FCRA ). This freeze is necessary as I am currently disputing inaccurate information on my credit file and want to ensure the security and accuracy of my report during this process.

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

Complaint narrative:
I am a victim of identity theft due to Equifax data breach. The information listed below, which appears on my credit report, does not relate to any transaction ( s ) that I have made. It is the result of identity theft. 

XXXX  : 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

Company response to consumer: Closed with explanation
Consumer complaint received 2025-05-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX is claiming that I owe them {$130.00} and I never ever had their service before in my life. They posted an active collections on my credit and Ive never had XXXX cell phone service. The account number is shown by XXXX on my credit reports is ; 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