vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I am formally requesting the permanent removal of the fraudulent hard inquiries listed on my credit report. These inquiries were not authorized by me and were made without my knowledge or consent, which is a violation of my consumer rights under the Fair Credit Reporting Act ( FCRA ). 

Please see the attached document for supporting details. I expect immediate action to delete these unauthorized inquiries from my credit profile to prevent any further damage to my credit standing. Failure to act on this matter promptly may result in further escalation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
This letter serves as formal notice that an unauthorized hard inquiry was made on my credit report. I never authorized this inquiry and did not initiate any transaction that would justify this access.

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 2025-07-17 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: MI

Complaint narrative:
I am writing to have the following information removed from my credit file, the items that I need deleted are going to be attached in a word document. I am a victim of identity theft. I have multiple accounts and inquiries that I DID NOT apply for listed on my credit report. I ask that these items be deleted so my credit report will only show accurate information. I reported the theft of my identity to the Federal Trade Commission and have enclosed copies of the report. I would like these items deleted from my credit report as soon as possible. Please block this information from my credit report, pursuant to section 605B of the Fair Credit Reporting Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
I am writing to dispute XXXX or more unauthorized hard inquiries that have appeared on my credit report. I have not initiated any credit applications that would warrant such inquiries and did not provide consent for these actions.

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 2025-07-17 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 dispute several addresses listed on my credit report that are completely inaccurate. I have only lived at the addresses Ive verified with the attached documentation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: AL

Complaint narrative:
IN XXXX I called the bankruptcy court to request information and was told that they do not release information to anyone, not EVEN the credit bureau SO HOW DID THIS Information VERIFY. THE CREDIT Reporting act REQUIRES THE Information TO Be -verify. please remove this Bankrupt Because it is inaccurate and no ROOF HAS Been rendering

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 2025-07-17 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: AL

Complaint narrative:
IN XXXX I called the bankruptcy court to request information and was told that they do not release information to anyone, not EVEN the credit bureau SO HOW DID THIS Information VERIFY. THE CREDIT Reporting act REQUIRES THE Information TO Be -verify. please remove this Bankrupt Because it is inaccurate and no ROOF HAS Been rendering

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: VA

Complaint narrative:
To whom it may concern This is a request for validation of this debt Please provide proof that I XXXX XXXX owe the debt. 
I am also requesting that you prove that you own the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

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 2025-07-17 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: NY

Complaint narrative:
I request your help to look into accounts from these companies that are inaccurately reporting late payments. After examining my credit report, I noticed some accounts wrongly show late payments. There should be no late payment remarks on these accounts. Please remove those remarks and update the accounts as agreed to positive.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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:
I am writing to formally dispute a false address currently listed in my credit file. I have never lived at, nor have any connection to, the address in question.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Abra

Complaint narrative:
Enter the Abra app for the promotion of a company called XXXX that promoted the Abra wallet, which I entered into its investment program in which they offered an annual percentage for having my XXXX invested, however, I have currently tried to withdraw my invested XXXX and the app only shows a message that the withdrawals are not currently enabled, and at no time according to the app block my investment for some time, However, they do not let me withdraw my money, and the support of the application does not respond, even though I have sent you different emails asking for a solution.

Company response to consumer: Untimely response
Consumer complaint received 2025-07-17 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: OH

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-07-17 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: OH

Complaint narrative:
My credit reports contain inaccuracies that are leading creditors to deny me credit. As it is your responsibility to ensure the information reported about consumers is accurate, I request that you investigate these accounts and inquiries. Please update them as necessary to prevent potential legal action in the future.

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 2025-07-17 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 am submitting a formal complaint regarding inaccurate and unauthorized items appearing on my credit report. I have not received proper validation of this debt. I do not believe the amount is accurate. I request a full investigation and removal of this item if it can not be substantiated with full documentation and proof of owner 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 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 non-monetary relief
Consumer complaint received 2025-07-17 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: NY

Complaint narrative:
I am writing to you regarding a violation of my privacy and confidentiality rights, protected under the Fair Credit Reporting Act ( 15 USC 1681b ( 2 ) ). Pursuant to 18 USC 8, I have identified the following accounts that have breached these legal provisions : Under 15 U.S.C. 1681b ( 2 ), a consumer reporting agency may only provide a consumers credit report with the consumers explicit written authorization. The following accounts have accessed or reported on my credit profile without my consent, which constitutes a clear violation of this provision 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 2 . Reporting of Obsolete Information Violation of 15 USC 1681c ( a ) ( 5 ) Pursuant to 15 U.S.C. 1681c ( a ) ( 5 ), no consumer reporting agency may make any consumer report containing any other adverse item of information, other than records of convictions of crimes, which antedates the report by more than seven years.

3. Right to Privacy Section 602 ( A ) of the FCRA The FCRA, under Section 602 ( A ), clearly states that the consumer has a right to privacy with respect to the disclosure of their personal information. Any release or reporting of information without legal cause or consumer consent violates this right and must be addressed accordingly. 4. Inaccurate or Unverified Information 15 USC 1681s-2 ( a ) ( 1 ) Furthermore, under 15 U.S.C. 1681s-2 ( a ) ( 1 ) ( A ), no person shall furnish information to a consumer reporting agency if that person knows or has reasonable cause to believe
that the information is inaccurate. According to 1681s-2 ( a ) ( 1 ) ( B ), once notified of such inaccuracy by the consumer, the furnisher has an obligation to either correct or remove the inaccurate data.

I hereby notify you that the information associated with the above referenced accounts is inaccurate, obsolete, or both.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Westlake Services, LLC
State: TX

Complaint narrative:
Westlake Financial has blocked me from making payments through their app or by phone using my bank or debit card due to two small NSF fees of {$25.00} each. I was told last week that I would be able to pay as normal, and only found out today when my {$730.00} car payment is due that I can only pay via XXXX. 

I have never defaulted on any payments since the start of my loan. I was not properly informed of this restriction, and now I risk late fees and negative reporting despite actively trying to pay. I believe this is an unfair business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: LA

Complaint narrative:
Pursuant to 15 U.S. Code 1681s2 inaccurately reporting All the information I know about this purported late payment is included in the account name and number mentioned above. Because I know you reported this inaccuracy on my credit report, you must have all the information or proof you need to investigate and fix this reporting error. If this is not the case, you must amend the erroneous data reporting.

As consumer I have right to know that this account is verified and reporting accurately. Mail me at my current address the WRITTEN NOTICE that this account is verified as prescribed by 15 U.S. Code 1692 g ( a ) ( 4 ). I want you to include the following information : 1. A detailed and itemized statement of ALL activity to this account, including the contract I must have allegedly signed to bind me to this debt.

2. The photo identification I must have provided at the time of starting services with you in order for you to assure that this was not an attempt of someone else to commit a fraud against me ( you do take these precautions, correct? ).

3. A full file disclosure.

4. An itemized statement breaking down the balance you claim I owe.

5. Any other documentation you must have in order to truthfully make a notarized statement on your letterhead, attesting to your compliance of the FCBA.

IF YOU CAN NOT PROVIDE the requested written correspondence, I DEMAND YOU TO DELETE THE NEGATIVE MARKS you have reported to my consumer report within the timely manner prescribed by law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: CA

Complaint narrative:
On XX/XX/year>, I submitted formal written disputes to Experian, Equifax, and TransUnion, requesting that they verify the validity of multiple negative and derogatory items they have reported on my credit file. I clearly stated that they were required to investigate and respond within 30 days as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). 

As of today, XX/XX/year>, they have failed to comply. None of the credit bureaus have provided me with verification or documentation supporting the validity of these disputed accounts. Worse, since I submitted my disputes, they have added new negative items to my credit reports, further harming my credit score, and they have not removed the previously disputed inaccurate or unverifiable accounts.

According to FCRA 1681i ( a ) ( 5 ) ( A ), any item that is not verified during a reinvestigation must be promptly deleted. The bureaus failure to remove or correct these items after 30 days constitutes a willful and negligent violation of the law under FCRA 1681n and
1681o.

I am requesting that the CFPB immediately intervene and compel the credit reporting agencies to : Delete all unverified negative items from my credit file Provide me with a corrected copy of my report Cease further reporting of these unvalidated items I am available to provide additional documentation upon request. This continued inaction has caused me credit denials, financial hardship, and emotional distress. I am requesting swift corrective action by the CFPB.

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 2025-07-17 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: CA

Complaint narrative:
On XX/XX/year>, I submitted formal written disputes to Experian, Equifax, and TransUnion, requesting that they verify the validity of multiple negative and derogatory items they have reported on my credit file. I clearly stated that they were required to investigate and respond within 30 days as required by the Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681i ( a ). 

As of today, XX/XX/year>, they have failed to comply. None of the credit bureaus have provided me with verification or documentation supporting the validity of these disputed accounts. Worse, since I submitted my disputes, they have added new negative items to my credit reports, further harming my credit score, and they have not removed the previously disputed inaccurate or unverifiable accounts.

According to FCRA 1681i ( a ) ( 5 ) ( A ), any item that is not verified during a reinvestigation must be promptly deleted. The bureaus failure to remove or correct these items after 30 days constitutes a willful and negligent violation of the law under FCRA 1681n and
1681o.

I am requesting that the CFPB immediately intervene and compel the credit reporting agencies to : Delete all unverified negative items from my credit file Provide me with a corrected copy of my report Cease further reporting of these unvalidated items I am available to provide additional documentation upon request. This continued inaction has caused me credit denials, financial hardship, and emotional distress. I am requesting swift corrective action by the CFPB.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-07-17 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: Resurgent Capital Services L.P.
State: LA

Complaint narrative:
In XX/XX/XXXX, I took out a loan with XXXX XXXXXXXX XXXX for {$600.00}, with a XXXX repayment term. The account was closed on XX/XX/XXXX. However, my credit report currently shows a balance of {$1000.00}, which is nearly double the original loan amount, despite the account being marked as closed. 

Additionally, the report inaccurately states that I have paid off XXXX % of the loan, which is not possible. It also reflects 0 % on-time payments. I believe there has been a serious reporting error or unjust accumulation of fees that were never disclosed or agreed to. 

I am requesting that XXXX XXXX XXXXXXXX correct the balance, payment status, and any inaccurate derogatory information being reported to the credit bureaus. I have attempted to resolve this issue, but the errors remain. This misinformation is negatively impacting my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
My report includes inquiries that I believe do not meet the permissible purpose requirement set forth in 15 USC 1681b. I suspect these inquiries were made in error and am requesting their removal.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-07-17 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: AZ

Complaint narrative:
I am a victim of identity theft and I write to dispute certain information in my file resulting from the crime. The items am disputing do not relate to any transactions that I have made or authorized. Please remove this information at the earliest possible time. 
This collection by XXXX XXXX XXXX because I never authorized my information to be sold or used. As required by section XXXX11 of the Fair Credit Reporting Act, 15 U.S.C. 1681i, a copy of which is enclosed, I am requesting that the item ( s ) be removed to correct the information. Please reinvestigate this and delete or the disputed item as soon as possible. 
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